---
title: 'Treasury Analyst at PayJoy'
canonical: 'https://feeny.ai/job/treasury-analyst-payjoy-lima-3qt9cam7hb2t'
type: 'job'
last_seen: '2026-10-17'
---

# Treasury Analyst at PayJoy

- **Company:** PayJoy
- **Location:** Lima, Peru
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-16
- **Last confirmed live:** 2026-10-17
- **Apply:** https://jobs.lever.co/payjoy/22867ab6-d739-4768-9dfe-39baf8d4db66

## 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

## Responsibilities

- Support all FX derivatives back-office activities through documentation organization, settlement support, and maturity tracking.

- Maintain and organize derivative documentation: bank confirmations, hedge memos, hedge designations, hedge effectiveness; ensuring completeness and traceability.

- Update and reconcile Treasury Systems & Trackers as FX derivatives data in Kyriba and internal trackers to ensure consistency and accuracy.

- Support SOX-related treasury controls, including segregation of duties, approval workflows, evidence retention, and periodic control reviews.

- Support the standardization and continuous improvement of treasury processes, internal policies, controls, and SOPs.

- Support banking controls such as bank user access reviews, token management, beneficiary validations, and bank account documentation to mitigate fraud and operational risk.

## Requirements

- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.

- Basic exposure or interest in treasury, FX, or financial operations.

- General understanding of foreign exchange and derivative instruments.

- Strong attention to detail, organization skills, and willingness to learn structured processes and controls

- Ability to work with documentation, follow procedures, and support control activities

- Familiarity with treasury management systems (Kyriba).

- Basic knowledge or exposure to Bloomberg or other market data platforms.

- Exposure to internal controls or SOX environments.

## Benefits

- 100% Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- Paid vacation days, 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. Manager Business Operations](https://feeny.ai/job/sr-manager-business-operations-payjoy-johannesburg-hby1zw0cp4mp) — Johannesburg, South Africa
- [Merchant Operations Supervisor](https://feeny.ai/job/merchant-operations-supervisor-payjoy-jakarta-dccvfa4c1cyy) — Jakarta, Indonesia
- [Merchant Operations Representative](https://feeny.ai/job/merchant-operations-representative-payjoy-jakarta-ggq5z3af80kg) — Jakarta, Indonesia
- [Promoter Manager](https://feeny.ai/job/promoter-manager-payjoy-johannesburg-6pv74vxnq3h7) — Johannesburg, South Africa
- [Promotor Eventual](https://feeny.ai/job/promotor-eventual-payjoy-panama-city-gdssf6pr6v11) — Panama City, Panama
- [Merchant Operations Analyst](https://feeny.ai/job/merchant-operations-analyst-payjoy-sao-paulo-pq1vendsdmd1) — São Paulo, Brazil
- [Senior Software Engineer](https://feeny.ai/job/senior-software-engineer-payjoy-san-francisco-dmr93zs0ngt1) — San Francisco, CA
- [Supervisor de operaciones de soporte](https://feeny.ai/job/supervisor-de-operaciones-de-soporte-payjoy-lima-gpn2ta9pyjwr) — Lima, Peru
- [Fraud Operations Representative](https://feeny.ai/job/fraud-operations-representative-payjoy-mexico-city-160rp1wq8vtd) — Mexico City, Mexico
- [Collections Tools Analyst](https://feeny.ai/job/collections-tools-analyst-payjoy-mexico-city-5f8v1w7nxt2c) — Mexico City, Mexico