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
The Treasury Back Office Analyst will be responsible for supporting foreign exchange risk management strategy through the administration and control of FX hedging instruments, by ensuring accurate management of the operations for derivatives, strong general treasury controls (SOX), and alignment with internal treasury policies and SOPs; by coordinating closely with Finance, Accounting, and banking partners, the position contributes to effective risk mitigation, financial stability, and scalable treasury operations across the organization.
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 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
Responsibilities
Support all FX derivatives back-office activities through documentation organization, settlement support, and maturity tracking.
Maintain and organize derivative documentation: bank confirmations, hedge memos, hedge designations, hedge effectiveness; ensuring completeness and traceability.
Update and reconcile Treasury Systems & Trackers as FX derivatives data in Kyriba and internal trackers to ensure consistency and accuracy.
Support SOX-related treasury controls, including segregation of duties, approval workflows, evidence retention, and periodic control reviews.
Support the standardization and continuous improvement of treasury processes, internal policies, controls, and SOPs.
Support banking controls such as bank user access reviews, token management, beneficiary validations, and bank account documentation to mitigate fraud and operational risk.
Requirements
Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
Basic exposure or interest in treasury, FX, or financial operations.
General understanding of foreign exchange and derivative instruments.
Strong attention to detail, organization skills, and willingness to learn structured processes and controls
Ability to work with documentation, follow procedures, and support control activities
Familiarity with treasury management systems (Kyriba).
Basic knowledge or exposure to Bloomberg or other market data platforms.
Exposure to internal controls or SOX environments.
Benefits
100% 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
