Credit Line Growth 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 Credit Line Growth Analyst will support the identification of business growth opportunities through data analysis, monitoring key indicators, and generating actionable insights. They will work cross-functionally with commercial, product, and operations teams to contribute to the implementation of initiatives that improve product performance and customer experience.

Responsibilities Propose automations and improvements to current internal processes

Create, maintain, and improve commercial monitoring dashboards

Analyze and evaluate current commercial efforts to identify areas of opportunity

Propose commercial initiatives and strategies oriented toward achieving business objectives

Monitor KPIs and support the measurement of results

Perform analysis to answer business questions and identify improvement opportunities.

Support the preparation of business cases to request budget for new initiatives

Monitor progress, performance, and fulfillment of commitments, including the performance of commercial efforts

Support the preparation of executive presentations for senior management

Requirements Requirements for the correct performance of the position:

Advanced proficiency in Excel or Google Sheets.

SQL

Experience or interest in fintech, mass consumption, or high-volume commercial environments.

Ability to work with multidisciplinary teams and good organization to manage multiple projects.

Clear and concise communication. Proactive, organized, and results-oriented profile.

Advanced English.

Experience (including professional practices or internships) in business analysis, consulting, strategy, or related areas is a plus.

Industrial Engineering, Business Engineering, or related degrees (completed).

Availability to work in Ciudad de México in a hybrid manner.

Benefits 100% Company-funded Health and dental and vision discount plan for employees and immediate family members. Life insurance. Phone finance, Headphone, 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 USD annual Co-working Travel perk. $2,000 USD annual Professional Development perk.

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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