---
title: 'Financial Planning & Analysis Manager at PayJoy'
canonical: 'https://feeny.ai/job/financial-planning-analysis-manager-payjoy-bogota-rbmnmd9kk8cy'
type: 'job'
last_seen: '2026-11-07'
---

# Financial Planning & Analysis Manager at PayJoy

- **Company:** PayJoy
- **Location:** Bogotá, Colombia
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-25
- **Last confirmed live:** 2026-11-07
- **Apply:** https://jobs.lever.co/payjoy/dd588b60-2ab6-4f6f-bd2d-6a171bff500f

## Job description

## 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

As the lead of finance for Colombia and Panama you will be reporting to the Finance Director of Latam and support the existing finance and FP&A functions of the company. You will provide support to the finance team’s efforts in managing and servicing existing debt investors.  This role requires strong analytical and forecasting skills to ensure healthy financial planning and operations control.

## Responsibilities

- Work closely with the Finance Director of Latam to support ongoing and ad-hoc analysis and modeling in support of PayJoy’s aggressive goals. The role will have straight contact with the FP&A team in the US.
- Develop financial models (top-down and bottom-up) for budgeting, business forecasting, company health, and pricing evaluation. Provide periodic KPI reporting to headquarters in the USA..
- Work closely with the regional General Manager in Colombia and Panama to model the value of future partnership opportunities. Support company-wide budgeting processes including monthly budget vs. actuals analysis of operating and non-operating cash flows.
- Run distribution calculations for principal and interest for multiple debt facilities. Create local dashboards providing real-time insight into KPIs and other financial metrics.
- Work closely with the accounting team to gather financial information and assist with the reconciliation of Local GAAP versus US GAAP.
- Assist accounting in the audit process
- Validate the taxes paid
- Support operations in making payments to merchants and reconciling the transactions with accounting

## Qualifications

- Bachelors in Finance, Economy, Accounting, Business Administration or Engineering
- 5+ years of experience in finance roles
- Experience with Colombian and Panamanian market and regulation
- Experience with fintechs and/or banking in Colombia is a plus
- CFA, CPA, Master in Finance, and MBA are a plus
- Problem solving and analytical skills
- Excellent Excel modeling skills, Google Sheets experience is a plus.
- Maintain and build strong relationships with senior stakeholders
- Detailed oriented
- Experience with Netsuite, PBCS/Hyperion is a plus.
- Prior experience at leading consultancy, financial institutions or fintech is a plus.
- Languages: English professional proficiency is mandatory
- Teamwork and strong communication skills

## Benefits

- 100% Company-funded Health for employees and immediate family members
- Life Insurance
- Indefinite-term contract
- 20 days of vacations, unlimited sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone finance, headphone benefit, home office equipment allowance and wellness perks
- Catered lunches

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

## About PayJoy

## Company Overview
- **One-liner**: PayJoy provides secured phone financing and cash loans to underserved customers in emerging markets, using patented technology to enable credit access without a bank account or credit history.
- **Entity Type**: Private (Public Benefit Corporation) – Total funding $635.6M across 14 rounds.
- **Headquarters**: San Francisco, California, United States (with regional hubs in Africa, Asia, and Latin America)
- **Founded**: 2015
- **Founders**: Doug Ricket

## Core Business
- **Primary industry**: Financial Services (Fintech – secured consumer credit)
- **Target customers**: B2C (underbanked individuals in emerging markets) and B2B (retailers offering point-of-sale financing)
- **Mission**: Bring financial access to emerging markets, helping customers achieve financial stability and success. As a Public Benefit Corporation, PayJoy is legally committed to customer financial well‑being.

## Products & Services
- **Phone Financing**: Pay‑as‑you‑go smartphone financing with no accruing interest, fixed transparent pricing, and no late fees. Customers need only an ID – no bank account or credit history required.
- **Cash Loans**: Credit offerings for micro‑entrepreneurs and as insurance for tough times, with flexible payments and no penalty for being behind.

## Market Standing
- **Valuation**: Not publicly disclosed
- **Key Metric**: Annual revenue of $320M (LinkedIn estimate); Total funding $635.6M
- **Notable Investors/Partners**: Not explicitly listed in provided sources, but the company has raised 14 funding rounds and operates in 9 countries across 3 continents.
- **Growth Signals**: 20M+ customers served, nearly $4B lent, 909 employees (+46.4% YoY), carbon neutral since 2022, active in 9 countries (including Mexico, Brazil, Peru, South Africa, India).

## Competitive Advantages
- Patented secured‑credit technology that enables lending without traditional credit history.
- No accruing interest, no late fees, and no penalty for missed payments – differentiates from predatory lenders.
- Public Benefit Corporation status legally commits the company to customer financial well‑being.
- Advanced machine learning, data science, and anti‑fraud AI for credit scoring.
- Deep operational presence on the ground in multiple emerging markets.

## Strategic Focus
- Scale global impact by expanding into new countries and deepening existing markets.
- Use data and AI to improve credit access and financial inclusion.
- Maintain transparent, customer‑first lending practices while achieving profitability.
- Continue hiring across engineering, data science, sales, and operations roles.

## Why Work Here
- **Mission‑driven**: Work on products that directly improve financial well‑being for millions of underserved people.
- **Culture**: Emphasizes transparency, directness, focus on scale, work‑life balance, and diversity. Employees rate culture 4.4/5 on LinkedIn.
- **Remote/Hybrid**: Global team with offices in San Francisco, Mexico City, and regional hubs; many roles appear location‑specific (e.g., Mexico City, São José).
- **Benefits**: Market‑competitive compensation, health & wellness benefits, parental leave, professional development funds, paid time off.
- **Growth**: Rapidly growing company (46% headcount growth YoY) with opportunities to shape products and services from day one.

## Sources
1. [PayJoy Careers Page](https://www.payjoy.com/careers)
2. [PayJoy About Page](https://www.payjoy.com/about)
3. [PayJoy Homepage](https://www.payjoy.com/)
4. [PayJoy Jobs on Lever](https://jobs.lever.co/payjoy/)
5. [PayJoy LinkedIn Company Page](https://www.linkedin.com/company/payjoy)

## Other roles at PayJoy

- [Sr. Marketing Mananger](https://feeny.ai/job/sr-marketing-mananger-payjoy-bogota-spwz4x5vty76) — Bogotá, Colombia
- [Representante de ventas - Medellín](https://feeny.ai/job/representante-de-ventas-medellin-payjoy-medellin-khbd9z51dtce) — Medellín, Colombia
- [Associate Quality Audit Analyst](https://feeny.ai/job/associate-quality-audit-analyst-payjoy-bogota-qwmtwaskdeva) — Bogotá, Colombia
- [Field Sales Manager](https://feeny.ai/job/field-sales-manager-payjoy-bengaluru-abz58ekkxvgw) — Bengaluru, India
- [Junior IT Specialist](https://feeny.ai/job/junior-it-specialist-payjoy-san-francisco-afcmwarbm3ss) — San Francisco, CA
- [Clerk Support Representative](https://feeny.ai/job/clerk-support-representative-payjoy-mexico-city-tqkn32rds5sc) — Mexico City, Mexico
- [Clerk Support Supervisor](https://feeny.ai/job/clerk-support-supervisor-payjoy-colombia-pefz8yqbcyjd) — Colombia
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- [Senior Manager, People Operations](https://feeny.ai/job/senior-manager-people-operations-payjoy-mexico-city-p8tdzsqc5e5z) — Mexico City, Mexico
- [CRM Analyst | Zoho](https://feeny.ai/job/crm-analyst-zoho-payjoy-mexico-city-9e4d94b1j6vz) — Mexico City, Mexico