Business Analyst

About Pay. Joy Pay. Joy, 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 Pay.

Joy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. Pay. Joy’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 Pay. Joy is hiring a Risk Analyst in Mexico who will help us scale Pay. Joy’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 Pay.

Joy’s mission to empower the next billion smartphone users. As Risk Analyst you will use Pay. Joy’s data warehouse to build analysis, policy recommendations, and dashboards that optimize risk outcomes across Pay. Joy’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.