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).
