Merchant Operations 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 Merchant operations analyst will be responsible for designing and executing commercial strategies focused on value offer, client performance, and lifecycle. Their main focus will be coordinating these initiatives with core teams such as product, risks, and marketing.

Responsibilities Generate and propose commercial initiatives and campaigns from a client perspective, improving the utilization, retention, and satisfaction of our users.

Create and monitor benchmarks of commercial efforts by the competition, identifying opportunities to compete through efforts at PayJoy.

Support administrative management towards core teams, seeking their collaboration in the generation of commercial efforts and initiatives.

Build and maintain reports and analyses that support commercial decision-making.

Create and monitor benchmarks of product value offers in the competition and similar products.

Design and implement improvement proposals for SLAs, Pricing, and benefits for market segments in Mexico.

Requirements Intermediate-advanced proficiency in Excel or Google Sheets.

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

Ability to manage multiple stakeholders and prioritize with judgment. Clear and concise communication. Proactive, organized, and results-oriented profile.

Advanced English. Previous experience in consulting or business analysis.

0 to 2 years of experience in analysis, operations, consulting, or related roles.

Bachelor's degree in Administration, Economics, Industrial Engineering, or related fields (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.

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