PayJoy

Provides credit access via device-collateral loans

Financial Planning & Analysis Manager

Corporate Finance & FP&AConfirmed live in the last 24 hours

Full-timeBogotá, Bogota, ColombiaNo salary listedHybrid

About the Job

Requirements

A bachelor's degree in Finance, Economics, Accounting, Business Administration, or Engineering is required.
At least 5 years of experience in finance roles is required.
Experience with the Colombian and Panamanian markets and regulations is required.
Strong analytical, problem-solving, and forecasting skills are required.
Strong Excel modeling skills are required.
Professional proficiency in English is mandatory.
The role requires maintaining and building strong relationships with senior stakeholders.
The role requires attention to detail and teamwork and communication skills.

Responsibilities

Work with the Finance Director of Latam on ongoing and ad hoc analysis and modeling to support company goals, with direct contact with the FP&A team in the United States.
Develop top-down and bottom-up financial models for budgeting, business forecasting, company health, and pricing evaluation, and provide periodic KPI reporting to United States headquarters.
Work with the regional General Manager in Colombia and Panama to model the value of future partnership opportunities.
Support company-wide budgeting, including monthly budget-versus-actual analysis of operating and non-operating cash flows.
Run principal and interest distribution calculations for multiple debt facilities.
Create local dashboards that provide real-time insight into KPIs and other financial metrics.
Work with the accounting team to gather financial information and assist with reconciliation of Local GAAP versus US GAAP.
Assist the accounting team in the audit process.
Validate taxes paid.
Support operations in making payments to merchants and reconciling transactions with accounting.

Desired Qualifications

Experience with fintech companies and/or banking in Colombia is a plus.
A CFA or CPA credential, a master's degree in Finance, or an MBA is a plus.
Google Sheets experience is a plus.
Experience with NetSuite or PBCS/Hyperion is a plus.
Prior experience at a leading consultancy, financial institution, or fintech company is a plus.

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

As the lead of finance for Colombia and Panama you will be reporting to the Finance Director of Latam and support the existing finance and FP&A functions of the company. You will provide support to the finance team’s efforts in managing and servicing existing debt investors. This role requires strong analytical and forecasting skills to ensure healthy financial planning and operations control.

Responsibilities

Work closely with the Finance Director of Latam to support ongoing and ad-hoc analysis and modeling in support of PayJoy’s aggressive goals. The role will have straight contact with the FP&A team in the US.
Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation. Provide periodic KPI reporting to headquarters in the USA..
Work closely with the regional General Manager in Colombia and Panama to model the value of future partnership opportunities. Support company-wide budgeting processes including monthly budget vs. actuals analysis of operating and non-operating cash flows.
Run distribution calculations for principal and interest for multiple debt facilities. Create local dashboards providing real-time insight into KPIs and other financial metrics.
Work closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP.
Assist accounting in the audit process
Validate the taxes paid
Support operations in making payments to merchants and reconciling the transactions with accounting

Qualifications

Bachelors in Finance, Economy, Accounting, Business Administration or Engineering
5+ years of experience in finance roles
Experience with Colombian and Panamanian market and regulation
Experience with fintechs and/or banking in Colombia is a plus
CFA, CPA, Master in Finance, and MBA are a plus
Problem solving and analytical skills
Excellent Excel modeling skills, Google Sheets experience is a plus.
Maintain and build strong relationships with senior stakeholders
Detailed oriented
Experience with Netsuite, PBCS/Hyperion is a plus.
Prior experience at leading consultancy, financial institutions or fintech is a plus.
Languages: English professional proficiency is mandatory
Teamwork and strong communication skills

Benefits

100% Company-funded Health for employees and immediate family members
Life Insurance
Indefinite-term contract
20 days of vacations, unlimited sick leave
$2,000 USD annual Co-working Travel perk
$2,000 USD annual Professional Development perk
Phone finance, headphone benefit, home office equipment allowance and wellness perks
Catered lunches

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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