Job summary About PayJoy PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. This role The Risk Analyst is responsible for using data warehouses to build analysis, policy recommendations, and dashboards that optimize risk outcomes across portfolios of credit products and countries, in order to improve product profitability and risk KPIs. Key Responsibilities - Use SQL and R, or Python to extract and manipulate data to underpin 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 the performance of credit portfolios, new product pilots, and A/B tests. - Write succinct and thoughtful documentation that explains your analysis and recommendations. Qualifications - Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineering or a similar quantitative field. - +2 years of experience in a rigorous analytical/empirical role. - Strong general analytical and problem-solving skills - Mastery of SQL, Python (nice to have), and other tools for Data Analysis. - Understanding of statistical tools and methods, and experience working with large data sets. - Consumer finance experience is a plus. Benefits - 100% Company-funded Health, dental, and vision discount plan for employees and immediate family members. - Life insurance. - Phone finance, headphones, 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 - $2,000 MXN monthly restaurant coupons - $2,000 USD annual Co-working Travel perk - $2,000 USD annual Professional Development perk 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 Descripción del trabajo Lorem ipsum dolor sit amet , consectetur adipiscing elit. Nullam tempor vestibulum ex, eget consequat quam pellentesque vel. Etiam congue sed elit nec elementum. Morbi diam metus, rutrum id eleifend ac, porta in lectus. Sed scelerisque a augue et ornare. Donec lacinia nisi nec odio ultricies imperdiet. Morbi a dolor dignissim, tristique enim et, semper lacus. Morbi laoreet sollicitudin justo eget eleifend. Donec felis augue, accumsan in dapibus a, mattis sed ligula. Vestibulum at aliquet erat. Curabitur rhoncus urna vitae quam suscipit , at pulvinar turpis lacinia. Mauris magna sem, dignissim finibus fermentum ac, placerat at ex. Pellentesque aliquet, lorem pulvinar mollis ornare, orci turpis fermentum urna, non ullamcorper ligula enim a ante. Duis dolor est, consectetur ut sapien lacinia, tempor condimentum purus. Obtén acceso completo Accede a todos los puestos de alto nivel y consigue el trabajo de tus sueños. Inscríbete ahora