Risk Analyst

PayJoy; Bogotá ciudad; Presencial; COP 186.840.000 - 280.260.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Health for employees + family

20 days vacations

Co-working allowance

Professional development perk

Home office equipment allowance

Catered lunches

Descripción de la vacante

PayJoy is seeking a Risk Analyst to scale its LATAM point-of-sale lending portfolio. The candidate will work with data warehouses to build analyses, define actionable steps, and monitor risk KPIs across multiple countries.

You will drive profitability through data-led decisions and partner with executives, product, engineering, and GTM teams. The role emphasizes SQL mastery, proficiency in Python or R, and experience with large data sets to deliver measurable risk improvements.

Formación

• Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or similar.
• 2+ years of analytical/empirical work experience.
• Strong analytical and problem-solving skills.
• Mastery of SQL.
• Proficiency in Python or R.
• Experience with large datasets and statistical methods.

Responsabilidades

• Use SQL and Python or R to extract and manipulate data to inform recommendations.
• Make actionable recommendations to improve outcomes based on analysis.
• Collaborate with Data Science to implement ML/AI models that optimize portfolio outcomes.
• Create dashboards to measure portfolio performance and test outcomes.
• Document analyses and recommendations clearly.

Descripción del empleo

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.

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

PayJoy is hiring a Risk Analyst in Mexico who will help us scale PayJoy’s point of sale phone finance lending portfolio in LATAM, and other global markets. The right candidate will be self-driven, ambitious, and data driven, looking to have a big impact at a fast growing startup. The right candidate will also be deeply motivated by PayJoy’s mission to empower the next billion smartphone users.

As Risk Analyst you will use PayJoy’s data warehouse to build analysis, policy recommendations, and dashboards that optimize risk outcomes across PayJoy’s portfolio of credit products and countries. In addition to building datasets and dashboards you will be focused on defining actionable next steps that improve product profitability and risk KPIs. You will work directly with and provide data leadership for a broad set of teams including: Executives, Product, Engineering and Go to Market.

Responsabilities

• Use SQL and R or Python to extract and manipulate data underpins your recommendations (we are very data-driven).
• Make actionable recommendations about how to improve outcomes based on your analysis.
• Work closely with the Data Science team to implement ML and AI models that optimize portfolio outcomes..
• Create dashboards that measure performance of credit portfolios, new product pilots and A/B tests.
• Write succinct and thoughtful documentation that explains your analysis and recommendations.

Qualifications

• Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineer or similar
• +2 years of experience in rigorous analytical/empirical role
• Strong general analytical and problem-solving skills
• Mastery of SQL
• Proficiency in Python or R
• Understanding of statistical tools and methods, and experience working with large data sets.
• Consumer finance experience is a plus.

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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.