PayJoy

Provides credit access via device-collateral loans

Country Controller

Financial AccountingPosted on Nov 12

Full-timeSão Paulo, State of São Paulo, BrazilNo salary listedHybrid

About the Job

Requirements

A Bachelor's degree in Accounting, Finance, or a related field is required.
A CPA, CA, ACCA, or equivalent professional accounting certification is required.
At least 8 years of progressive accounting experience, including experience in multinational or public companies, is required.
Strong knowledge of local GAAP and statutory reporting requirements in the relevant country is required.
Experience working with U.S. GAAP reporting and multinational corporate consolidation is required.
Experience managing external audits and statutory compliance is required.
Demonstrated expertise in internal controls, financial governance, and accounting policy implementation is required.
Experience managing or building local accounting teams is required.
Strong proficiency with ERP systems and financial reporting tools such as NetSuite, Oracle, SAP, or similar is required.
Ability to work effectively with global teams across multiple time zones is required.

Responsibilities

Lead local accounting operations, including general ledger management, reconciliations, and month-end and year-end close processes.
Ensure accurate and timely financial reporting in accordance with local GAAP and U.S. GAAP or corporate reporting standards.
Prepare and review statutory financial statements, regulatory filings, and local compliance reports.
Manage relationships with external auditors, tax advisors, and regulatory authorities.
Oversee local tax compliance, including corporate income tax, VAT/GST, withholding taxes, and other statutory filings.
Maintain and strengthen internal controls, accounting policies, and financial governance frameworks consistent with corporate standards and SOX-style controls where applicable.
Partner with the Corporate Controller and global accounting team to align accounting policies, reporting packages, and consolidation requirements.
Support monthly and quarterly corporate close and consolidation, including preparing reporting packages and variance analysis.
Develop and implement scalable accounting processes and systems to support regional business growth.
Partner with FP&A, Treasury, Legal, Compliance, and Operations on financial planning, regulatory matters, and operational initiatives.
Provide financial insights and guidance to local leadership on business performance and risks.
Manage and mentor the local accounting and finance team, including hiring, training, and performance management.
Support cross-border transactions, intercompany accounting, and transfer pricing documentation.
Assist with new product launches, entity structuring, and market expansion initiatives from an accounting and compliance perspective.

Desired Qualifications

A Master's degree is preferred.
A background in fintech, financial services, lending, payments, or regulated financial institutions is strongly preferred.
Experience operating in a fast-growing or startup environment is preferred.

About PayJoy

PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role

The Country Controller is responsible for leading all accounting, financial reporting, compliance, and internal control activities for the company’s operations in Brazil, ensuring alignment with both local statutory requirements and U.S. corporate reporting standards. This role serves as the primary finance lead for the country and acts as a key liaison between the local business leadership and the U.S.-based Corporate Accounting team.

Key Responsibilities

Lead all local accounting operations, including general ledger management, reconciliations, and month-end and year-end close processes.

Ensure accurate and timely financial reporting in accordance with local GAAP and U.S. GAAP / corporate reporting standards.

Prepare and review statutory financial statements, regulatory filings, and local compliance reports.

Manage relationships with external auditors, tax advisors, and regulatory authorities.

Oversee local tax compliance, including corporate income tax, VAT/GST, withholding taxes, and other statutory filings.

Maintain and strengthen internal controls, accounting policies, and financial governance frameworks consistent with corporate standards and SOX-style controls where applicable.

Partner with the Corporate Controller and global accounting team to ensure alignment of accounting policies, reporting packages, and consolidation requirements.

Support the monthly and quarterly corporate close and consolidation process, including preparation of reporting packages and variance analysis.

Develop and implement scalable accounting processes and systems to support business growth in the region.

Partner with FP&A, Treasury, Legal, Compliance, and Operations to support financial planning, regulatory matters, and operational initiatives.

Provide financial insights and guidance to local leadership on business performance and risks.

Manage and mentor the local accounting and finance team, including hiring, training, and performance management.

Support cross-border transactions, intercompany accounting, and transfer pricing documentation.

Assist with new product launches, entity structuring, and market expansion initiatives from an accounting and compliance perspective

Qualifications

Bachelor’s degree in Accounting, Finance, or related field; Master’s degree preferred.

CPA, CA, ACCA, or equivalent professional accounting certification required.

8–12+ years of progressive accounting experience, including experience in multinational or public companies.

Strong knowledge of local GAAP and statutory reporting requirements in the relevant country.

Experience working with the U.S. GAAP reporting and multinational corporate consolidation.

Background in fintech, financial services, lending, payments, or regulated financial institutions strongly preferred.

Experience managing external audits and statutory compliance.

Demonstrated expertise in internal controls, financial governance, and accounting policy implementation.

Proven ability to operate in a fast-growing, high-growth or startup environment.

Experience managing or building local accounting teams.

Strong proficiency with ERP systems and financial reporting tools (e.g., NetSuite, Oracle, SAP, or similar).

Excellent analytical, communication, and cross-functional collaboration skills.

Ability to work effectively with global teams across multiple time zones.

High level of integrity, attention to detail, and ownership.

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

About the Company

PayJoy

Provides credit access via device-collateral loans

PayJoy helps people in emerging markets access credit to buy smartphones and other devices by partnering with local banks and retailers. Its system uses mobile locking technology and data science to let customers pay over time, with the device serving as collateral and remaining locked until payments are made; if needed, the lender can immobilize the device. Unlike traditional lenders, PayJoy works in markets with limited banking by combining device collateral with fintech and retailer partnerships to extend credit to the unbanked. Its goal is to expand affordable device access, improve consumer financial inclusion, and support growth in developing economies.

Company size: 1,001-5,000
Company stage: Debt Financing
Total funding: $606.9M
Headquarters: San Francisco, CA
Founded: 2015

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