PayJoy

Provides credit access via device-collateral loans

Business Intelligence Lead

Business IntelligencePosted on Nov 9

Full-timeTaguig, Metro Manila, PhilippinesNo salary listed

About the Job

Requirements

A bachelor's degree in a quantitative field such as Engineering, Statistics, Mathematics, Economics, Computer Science, Business, or Analytics, or similar; equivalent practical experience is considered.
At least 5 years of experience in business intelligence, analytics, and/or strategy roles, leading BI projects end to end.
Expert SQL skills for data extraction, transformation, and analytical reporting, plus hands-on experience with a BI tool such as HEX, Looker, Tableau, Power BI, or Metabase.
Advanced proficiency in Excel or Google Sheets and PowerPoint or Google Presentation.
Hands-on experience building dashboards through a BI tool such as Power BI, Looker, Tableau, Mode, or HEX.
A track record of building KPI frameworks and executive reporting in a fast-growing company, such as a technology, e-commerce, or fintech company.
Strong analytical and problem-solving skills and business acumen, with the ability to turn ambiguous problems into structured analysis and actionable recommendations.
Strong attention to detail and discipline to validate and reconcile numbers before sharing; strong project and stakeholder management skills, with a record of closing the loop on cross-functional actions.
Excellent verbal and written communication and storytelling skills with senior stakeholders in English and Tagalog or Bahasa Indonesia.
Willingness to work on site and travel, particularly to Southeast Asian countries.
Ability to work through large, complex datasets and propose practical fixes.
Strong organizational and prioritization strategy across multiple concurrent requests.
Ability to adapt in a fast-paced, high-change environment and learn new processes and tools quickly.
Ability to influence stakeholders at every level, from field teams to senior leaders.

Responsibilities

Own the BI roadmap for Southeast Asian countries, defining priorities for dashboards, reporting, and analytical deep dives in line with company objectives and key results.
Define and maintain the key performance indicator framework across sales enablement, promoter operations, and merchant operations, with one agreed definition for every metric.
Build and maintain dashboards in the company BI tool that give leaders a daily and weekly view of target versus actual performance and flag risks early.
Extract, clean, and reconcile data from multiple sources with SQL so reports are accurate and available for self-service.
Conduct root-cause analyses on missed targets, such as conversion drops, attendance gaps, and onboarding delays, and turn findings into prioritized recommendations with clear owners and timelines.
Measure the impact of campaigns, incentives, training, and process changes on key performance indicators.
Build and maintain the core key performance indicator framework, including originations, approval rates, portfolio performance, promoters’ unit economics, and retailer and channel productivity, ensuring consistent metric definitions across markets.
Lead deep-dive analyses on operations team initiatives, translate findings into recommendations, and follow through to implementation.
Design and automate executive dashboards and recurring weekly, monthly, and quarterly business reviews for country and regional leadership.
Lead deep-dive analyses on growth, credit risk, and operational performance, translating findings into recommendations and following through to implementation.
Partner with cross-functional teams within the country to frame business questions, size opportunities, and measure the impact of initiatives and experiments.
Work with Data Engineering to define data requirements, improve data models and pipelines, and uphold data quality and governance.
Support planning and forecasting cycles with Finance, including budget inputs, target setting, and performance-versus-plan tracking.
Hire, coach, and develop the BI team as it expands, and set a high bar for analytical rigor, business acumen, and stakeholder communication.
Monitor market and competitive trends in Southeast Asian consumer lending and device financing, and synthesize insights into strategy.
Build, manage, and improve reporting and tracking of key success metrics for operations teams, primarily Merchant, Promoters, and Sales Enablement.
Run weekly meeting cadences with operations team leaders, reviewing metrics and data analysis.
Run and track A/B testing performed by operations teams in collaboration with those teams.
Prepare materials and data requests, and present insights for executive meetings.
Build playbooks to record and store operational excellence assets, including learnings from A/B testing and experiments, dashboards, and analytics approaches, to support reuse and scaling.

Desired Qualifications

Experience serving as the primary data contact in a high-growth startup or company.
Experience in consumer lending, buy now, pay later (BNPL), payments, or credit risk analytics, such as portfolio performance, vintage analysis, or collections.
Experience analyzing field force initiatives, training impact and effectiveness, merchant onboarding including know-your-business and know-your-customer processes, and activation processes in a payments or lending environment.
Experience at a technology company in Southeast Asia, such as e-commerce, ride-hailing, fintech, or another fast-growing startup or company.
Familiarity with Python or R for analysis and automation, and with cloud data warehouses such as BigQuery, Snowflake, or Redshift.
Applied artificial intelligence skills for improving role effectiveness, such as automation.
Familiarity with analytics and business intelligence tools such as Hex, Mode Analytics, Tableau, Looker, or Power BI.
Familiarity with other tools, such as Zoho for customer relationship management and Zendesk or Jira for ticketing.
Experience with extract, transform, and load or extract, load, and transform tools and data modeling, such as dbt or Airflow.
Experience with A/B testing and impact measurement.
Experience in consulting or a consulting-style approach.
Experience managing a small team of more than one member in a business intelligence-equivalent role.

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

We’re looking for a Business Intelligence Manager to build and lead the analytics engine behind PayJoy’s growth in Southeast Asia. You’ll own the single source of truth for business and operational performances across all operations team in SE Asia managing Merchant, Promoters, and Sales Enablement (including Training) . You’ll be the to-go person for data, extracting data ( i.e: through SQL, and/or other BI tools), and processing it into decisions for country and regional leadership, and lead a team who goes beyond reporting to drive measurable business impact.

Responsibilities

Own the BI roadmap for SE countries, defining priorities for dashboards, reporting, and analytical deep-dives in line with company OKRs.

Define and maintain the KPI framework across sales enablement, promoter operations, and merchant operations, with one agreed definition for every metric.

Build and maintain dashboards in the company BI tool that give leaders a daily and weekly view of target vs. actual and flag risks early.

Extract, clean, and reconcile data from multiple sources with SQL so reports are accurate and available for self-service.

Conduct root-cause analyses on missed targets (such as conversion drops, attendance gaps, and onboarding delays). Turn the findings into prioritized recommendations with clear owners and timelines.

Measure the impact of campaigns, incentives, training, and process changes on KPIs.

Build and maintain the core KPI framework, including but not limited to, originations, approval rates, portfolio performance, promoters’ unit economics, and retailer/channel productivity. Ensure consistent metric definitions across markets.

Lead deep dive analysis on all ops team initiatives, translating findings into clear recommendations and following through to implementation.

Design and automate executive dashboards and recurring business reviews (weekly, monthly, and quarterly) for country and regional leadership.

Lead deep-dive analyses on growth, credit risk, and operational performance, translating findings into clear recommendations and following through to implementation.

Partner with cross-functional teams within the country to frame business questions, size opportunities, and measure the impact of initiatives and experiments.

Work with Data Engineering to define data requirements, improve data models and pipelines, and uphold data quality and governance.

Support planning and forecasting cycles with Finance, including budget inputs, target setting, and performance-vs-plan tracking.

Hire, coach, and develop the BI’s team when it expands. Set a high bar for analytical rigor, business acumen, and stakeholder communication.

Competitive Intelligence hub: Monitor market and competitive trends in SEA consumer lending and device financing to deliver insights & synthesize strategy.

Build, manage and improve reporting and tracking of all key success metrics for all ops team, mainly Merchant, Promoters, and Sales Enablement. The role is expected to run weekly meeting cadence with each ops team leader, particularly in running through metrics & data analysis.

Run and track all A/B Testing performed by all ops team & work hand in hand with them.

Prepare materials & data request, and present insights for exec meetings

Build playbooks to record and store all operational excellence assets such as learnings from A/B testing /experiments, dashboards, analytics approach/ lesson; all with the purpose to scale & provide ease of re-use and/or reapplication

Requirements

Bachelor’s degree in a quantitative field such as Engineering, Statistics, Mathematics, Economics, Computer Science, Business, Analytics or similar. Equivalent practical experience is considered

5+ years of experience in business intelligence, analytics,and/or strategy roles, leading BI projects end to end. Experience being the to-go person for data in high-growth startups or companies is preferred.

Expert SQL skills( data extraction, transformation, and analytical reporting) and hands-on experience with a BI tool such as HEX, Looker, Tableau, Power BI, or Metabase, or others. Advanced proficiency in Excel / Google Sheets & Powerpoint/Google Presentation

Hands-on experience building dashboard in through BI tool such as Power BI, Looker, Tableau, Mode, HEX, and others

Track record of building KPI frameworks and executive reporting in a fast-growing company ( i.e: tech, e-commerce, fintech,etc)

Strong analytical, problem-solving skills, and business acumen, with proven ability to turn ambiguous problems into structured analysis and actionable recommendations.

Strong attention to detail, discipline to validate & reconcile numbers before sharing, and strong project & stakeholder management skills, with a record of closing the loop on cross-functional actions

Excellent verbal and written communication and storytelling skills with senior stakeholders, in English & Tagalog or Bahasa Indonesia

Willingness to work on site and travel, particularly SEA countries.

Solution-oriented and data-driven, with the ability to work through large, complex datasets and propose practical fixes.

Strong organizational and prioritization strategy across multiple concurrent requests.

Adaptable in a fast-paced, high-change environment, and quick to learn new processes and tools.

Clear communicator who can influence stakeholders at every level, from field teams to senior leaders.

Preferred (not required)

Experience in the following is a plus,: consumer lending, BNPL, payments, or credit risk analytics, such as portfolio performance, vintage analysis, or collections.

Experience in analyzing field force initiative program, training impact & effectiveness, merchant onboarding, including KYB/KYC, along with activation processes in a payment / lending environment

Experience in tech company in SEA (e-commerce, ride-hailing, ,fintech, and other fast growing startups / companies).

Familiarity with Python or R for analysis and automation, and with cloud data warehouses such as BigQuery, Snowflake, or Redshift.

Proven AI skill sets being applied to boost the role’s effectiveness( i.e: automation)

Familiarity with analytics and BI tools (e.g., Hex, Mode Analytics, Tableau, Looker, Power BI)

Familiarity with other tools (CRM: Zoho, Ticketing: Zendesk, Jira) is a plus

Experience with ETL/ELT tools and data modeling (e.g., dbt, Airflow).

Experience with A/B testing and impact measurement.

Experience in consulting or consulting-style approach

Experience managing a small team (> 1 team member) of this BI-equivalent role in the previous company

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family

20 days vacation

Phone finance, Headphone, home office equipment and wellness perks.

$2,000 USD annual Co-working Travel perk

$2,000 USD annual Professional Development perk

Catered Lunch

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

Recently Posted Jobs

Explore more opportunities at PayJoy

See more jobs