Financial Analyst

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 Financial Analyst will work directly with PayJoy South Africa's data warehouse to build, maintain, and improve the
• reporting that underpins the accounting function. The role bridges raw transactional and portfolio data with the financial
• statements, working closely with accounting, financial reporting, and audit stakeholders to ensure that reports are
• accurate, well-controlled, and delivered on time. This is a hands-on analytical role requiring strong SQL/Python skills and a
• working understanding of accounting and lending concepts (e.g. amortisation, depreciation, charge-offs, provisioning).