About PayJoy
PayJoy 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 credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety 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
The Collections Data Analyst is responsible for identifying, sizing, and executing collections analyses that help answer key questions needed to improve the area’s performance, measurement, and results tracking. Additionally, this role actively contributes to data process automation, improving information transparency, resolving visibility gaps across teams, integrating multiple databases, and reducing manual work and potential human errors.
Key responsibilities
- Build, maintain, and optimize dashboards to monitor collections performance, operational KPIs, and portfolio trends.
- Analyze and interpret datasets related to collections processes and portfolio segmentation.
- Work collaboratively with the Data team and cross-functional stakeholders to ensure alignment on data sources, metrics, dashboards, and analytical solutions that support Collections strategy and operations.
- Integrate multiple data sources to generate comprehensive insights and conclusions.
- Identify and drive operational efficiencies based on data analysis.
- Automate and simplify collections processes to reduce manual effort and minimize human error.
- Prepare and deliver program status updates and presentations to internal stakeholders and executive leadership as needed.
- Apply a technical and analytical mindset to identify key operational drivers.
- Implement and recommend best practices in collections.
Qualifications
- Bachelor's degree or equivalent experience in Actuary, Economics, Finance, Data Science, Statistics, Engineering, Mathematics, Physics.
- Relevant experience working in Collections, Risk or Data department dedicated to Collections in a medium financial institution or fintech
- Advanced knowledge in using tools to manage big sources of data and visualization, such as: SQL, Python, Snowflake, PowerBI and Hex knowledge.
- Exposure to collections tools
- Great top-down communication skills
Benefits
- Local benefits depending on the country of hire
- Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- Paid vacation days, 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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
