Finance Manager

PayJoy; Pontianak; On-site; USD 20.000 - 40.000; Full time

Job summary

A financial service provider is seeking a Finance Manager to oversee budgeting, forecasting, and financial analysis processes. The ideal candidate will have a Bachelor’s degree and over 5 years of relevant experience, proficient in financial modeling, with a strong analytical mindset. The role involves collaborating with cross-functional teams and providing insights into the company's financial health, along with an attractive benefits package.

Benefits

Company-funded health insurance for employees and immediate family

Local market holidays + 20 paid leaves

Work-from-home equipment: USD 250 (one time)

Headphone: USD 200 (one time)

Phone finance: USD 500 (one time)

Fitness benefit: USD 500 (recurring annually)

Professional development benefit: USD 2,000 (recurring annually)

Market visit (travel): USD 2,000 (recurring annually)

Qualifications

• 5+ years of experience in financial planning & analysis, budgeting, forecasting.
• Advanced knowledge of financial modeling and analysis techniques.
• Strong understanding of corporate finance and accounting principles.

Responsibilities

• Manage annual budgeting, forecasting, and long-range financial planning processes.
• Develop financial models for budgeting, business forecasting, and pricing evaluation.
• Provide ad hoc financial analysis to support key business decisions.

Skills

Financial modeling

Analytical mindset

Communication skills

Attention to detail

Education

Bachelor’s degree in Finance, Accounting, Economics, IT, or related field

Tools

Business intelligence software

Netsuite

PBCS/Hyperion

Job description

About PayJoy

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Finance Manager is responsible for the process of planning, budgeting and forecasting, scenario modeling, and performance reporting to help PayJoy make informed business decisions and sustain good financial health.

Key Responsibilities

• Make the annual budgeting, monthly/quarterly forecasting, and long-range financial planning processes, including variance analysis and management reporting of the country.
• Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation.
• Work closely with business leaders to align financial forecasts with operational objectives and market trends.
• Collaborate with cross-functional teams to gather relevant information for financial analysis.
• Provide ad hoc financial analysis to support key business decisions.
• Assist in the evaluation of potential investments, mergers, and acquisitions in the country.
• Work closely with the accounting team to gather financial information, assist with the reconciliation of Local GAAP versus US GAAP, support the closing, audit process and reconciling the transactions of the payments to merchants.
• Create local dashboards providing real-time insight into KPIs and other financial metrics, reporting locally and to headquarters in the USA.
  
  

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, IT, or related field.
• 5+ years of experience in financial planning & analysis, budgeting, forecasting, and financial reporting, at leading consultancy, financial institutions or fintech.
• Advanced knowledge of financial modeling and analysis techniques.
• Strong understanding of corporate finance, accounting principles, and financial reporting standards (GAAP).
• Excellent communication and presentation skills, with the ability to work cross-functionally and influence stakeholders.
• Strong analytical mindset with a keen attention to detail and a proactive approach to problem-solving.
• Ability to manage multiple projects and prioritize tasks in a fast-paced environment.
• A strong analytical toolkit that makes use of business intelligence and reporting software, beside google suite. Experience with Netsuite, PBCS/Hyperion is a plus.
  
  

Benefits

• Company-funded health insurance for employees and immediate family
• Local market holidays + 20 paid leaves
• Work-from-home equipment: USD 250 (one time)
• Headphone: USD 200 (one time)
• Phone finance: USD 500 (one time)
  
  

After probation + subject to manager’s approval:

• Fitness benefit: USD 500 (recurring annually)
• Professional development benefit: USD 2,000 (recurring annually)
• Market visit (travel): USD 2,000 (recurring annually)
  
  

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

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