📅 Sep 4
Develop credit risk strategies that balance customer growth with risk appetite, using data and analytics to shape credit decisions, monitor portfolios, and guide cross-functional business decisions.
Risk Analyst
🕒 25 days ago
SQLPythonStatistical MethodsData Analysis
📜 Description
- Analyze data from the warehouse to develop risk insights and policy recommendations.
- Recommend actionable steps to improve portfolio outcomes, profitability, and risk KPIs.
- Partner with Data Science to implement machine learning and AI models.
- Build dashboards to track credit portfolios, product pilots, and A/B tests.
- Document analyses and recommendations clearly.
- Provide data leadership to executives, product, engineering, and go-to-market teams.
🛠️ Requirements
- Bachelor’s degree in Finance, Economics, Mathematics, Industrial Engineering, or a similar field.
- 2+ years of experience in a rigorous analytical or empirical role.
- Strong analytical and problem-solving skills.
- Mastery of SQL.
- Proficiency in Python or R.
- Knowledge of statistical methods and experience working with large datasets.
- Consumer finance experience is a plus.
✨ Benefits
- 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
- Life insurance.
- Phone finance, Headphone, home office equipment and wellness perks.
- 30 days of Christmas bonus.
- 20 days paid Vacation.
- 50% Vacation premium.
- 13% Saving funds.
- $2,000 MXN monthly grocery coupons.
Full job description
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.
Qualitifacions:
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:
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