---
title: 'Senior Accounting Manager at PayJoy'
canonical: 'https://feeny.ai/job/senior-accounting-manager-payjoy-taguig-sg29t82ea9d3'
type: 'job'
last_seen: '2026-09-07'
---

# Senior Accounting Manager at PayJoy

- **Company:** PayJoy
- **Location:** Taguig, Philippines
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-25
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.lever.co/payjoy/795b3017-1e8a-4df4-a084-29714a6a206d

## 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

The Senior Accounting Manager is responsible to ensure the accurate and timely financial reporting and compliance of PayJoy's operations in an entity, by serving as the key between external accounting firm and internal stakeholders, overseeing  the integration of local financial data and the company's global reporting system, ensuring alignment with both local GAAP and USGAAP standards.

## Responsibilities

- Financial Statement Accuracy & Reporting:

- Oversee the preparation and review of monthly, quarterly, and annual financial statements for the entity, ensuring accuracy, completeness, and compliance with US GAAP/Local GAAP - IFRS and company policies.

- Manage the month-end, quarter-end, and year-end closing processes, ensuring adherence to strict deadlines.

- Prepare and submit timely financial reporting packages for corporate consolidation and local statutory requirements.

- Analyze financial results, providing insightful commentary on variances, trends, and performance against budget/forecast.

- Accounting Operations:

- Manage and oversee all core accounting functions, including General Ledger (GL), Accounts Payable (AP), Accounts Receivable (AR), Fixed Assets, and potentially Payroll interfaces.

- Ensure all financial transactions are recorded accurately, timely, and in compliance with relevant standards.

- Oversee the preparation and review of balance sheet reconciliations, ensuring timely resolution of discrepancies.

- Internal Controls & Compliance:

- Develop, implement, and maintain a strong internal control environment to safeguard company assets and ensure the integrity of financial information.

- Ensure strict compliance with local tax regulations (VAT, corporate income tax, withholding taxes, etc.), statutory reporting requirements, and other relevant legislation.

- Act as the primary point of contact for internal and external auditors, managing audit processes efficiently and ensuring timely resolution of audit findings.

- Stay updated on changes in local accounting standards, tax laws, and regulations, implementing necessary changes to policies and procedures.

- Process Improvement:

- Identify and implement opportunities to improve the efficiency and effectiveness of accounting processes, systems and controls

- Collaborate with other departments to streamline workflows impacting financial data.

- Stakeholder Management & Leadership:

- Liaise effectively with corporate finance/accounting teams, local management, external auditors, tax advisors, banks, and regulatory bodies.

- Support local management with financial insights and analysis for decision-making.

## Requirements

- Bachelor’s degree in Accounting, Finance, or a related field. Professional accounting certification required (e.g., CPA)
- +10 years of experience in accounting,, managing month-end/year-end close processes and preparing statutory financial statements, and external audits., with at least 3+ years in a similar Controller or Accounting Manager role. Experience working within a multinational corporation, in Finance, Fintech industry
- Public accounting experience from Big4
- Strong, in-depth technical knowledge of US GAAP IFRS, and/or Local GAAP.
- Proficiency with ERP systems such as Oracle NetSuite and advanced Microsoft Excel skills.
- Excellent analytical, problem-solving, and organizational skills with exceptional attention to detail.
- Strong communication and interpersonal skills, with the ability to interact effectively at all levels
- High level of integrity and dependability with a strong sense of urgency and results-orientation.
- Ability to work independently, manage multiple priorities, and meet tight deadlines.

## Benefits

- 100% Company Funded : Private Health Insurance for employee and immediate family
- 20 days vacation
- Phone finance, Headphone, home office equipment and wellness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Catered Lunch

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)

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