Responsibilities

Build analytical models to evaluate product, country and capital structure decisions including cost of capital, advance rates and liquidity planning for review with senior leadership. 

Coordinate with FP&A teams and build and update the company forecast model for investors, gain a deep understanding of the key drivers and conduct analysis as needed 

Support and contribute to PayJoy’s funding strategy of the existing loan book in LatAm and expansion into new markets in Africa and Asia.

Assist with preparedness for new funding sources - including corporate debt, securitizations, forward flow arrangements, local country financing structures. Support structuring workstreams and coordinate with rating agencies, trustees, legal counsel, and other external deal parties as needed.

Monitor and manage performance of existing credit facilities, including covenant compliance, borrowing base reporting, and lender communications.

Assist in acquiring new funding partners, transaction execution, and relationship management

Conduct ongoing market research and competitive analysis on funding trends, spreads, and market conditions relevant to PayJoy's financing strategy.

Prepare marketing materials and other presentations and reports as required to run the business, including for equity and debt raises. Support investor relations - investor engagement, manage data rooms and periodic updates with risk teams.

Contribute on projects such as M&A, country expansion planning, new product launches, capital raises, and similar. 

Simplify and improve processes, drive standardization and automation, and build scalable solutions to facilitate PayJoy’s future growth

Synthesize and distill key financial and business insights to senior stakeholders and leadership - identify key financial metrics, analyze results, assess risk and communicate risks & opportunities

Requirements

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

Strong knowledge of accounting principles, capital markets, and financial planning

3-5 years experience in capital markets, investment banking, consulting, corporate finance, FP&A or related fields. 

Strong financial modeling; ability to build and maintain complex, dynamic models independently, including investor models, cash flow waterfalls, and scenario/sensitivity analyses.

Experience with structured finance products (ABS, whole loan sales, forward flow, warehouse facilities, HY bonds) is a plus.

Exposure to rating agency processes and credit structuring is a plus.

Experience in fintech, banking, or regulated industries is a plus

Knowledge of consumer lending products and fintech landscape is a plus

Team player who is able to collaborate across multiple groups internally, work on a variety of projects simultaneously and across multiple geographies.

Strong analytical aptitude and keen attention to detail

Excellent written and verbal communication skills in English, with the ability to communicate complex concepts effectively.

Creative, passionate about problem solving and solution orientation.

Fluent in Microsoft Office, SQL skills a plus. Python or other scripting/automation experience is a plus.

Spanish is a plus

Benefits

• 100% Company-funded health insurance for employee and immediate family
• Company-funded employee life and disability insurance
• $2,000 annual Co-working Travel perk
• $2,000 annual Professional Development perk
• $340 Monthly Commuter benefit
• 401k contribution of 3% of salary (up to IRS limits)
• Headphone benefit, home office equipment allowance and wellness perks
• Catered lunches
• 20 paid vacation days, unlimited sick leave