Business 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

Responsibilities

• Analyze sales performance data to present data-driven reports and recommendations that guide the decision-making and actions of the sales team, using graphics, visualizations, and other effective means to communicate findings clearly and concisely.
• Conduct in-depth market research and competitive analysis to identify trends, opportunities, and threats.
• Filter and analyze data in a consistent and scalable way, working with a large volume of data to build a solid foundation for decision making with calculated risks - while actively challenging the data and managing decisions despite incomplete or imperfect information.
• Collect information to find improvement opportunities, including monitoring the impact of training.
• Make recommendations on how to improve results based on data analysis and a deep understanding of how our product and processes work.
• Measure the performance of internal sales areas (KPI's, KBI's, KKI's and KSI's).
• Take into account marketing campaign performance—including traffic, leads, CAC, and engagement—to generate actionable insights, drive their cross-departmental implementation, and monitor the execution and ROI of recommended strategies.
• Analyze the effectiveness of sales enablement programs, sales promotions and incentives.
• Manage multiple requests and prioritize report generation.
• Evaluate new operational and commercial initiatives, translating complex data into actionable insights that guide business decisions.

Qualifications

• Associate's degree in Industrial Engineering, Business Administration, Finance, or Data analytics.
• 2+ years in Data analysis for Sales or Marketing areas. Finance and Startup experience is a plus.
• High capacity for organization, communication, and relationships
• Analytical thinking and Problem-solving skills to analyze data, identify inefficiencies, and propose data-driven solutions for improvement, and to work with large and complex datasets.
• Ability to adapt quickly to changes in the work environment and priorities; and to adapt to learn new processes, concepts, and skills.
• Intermediate knowledge of SQL, Data visualization software (Power BI, Looker, Tableau) excel and google sheets skills.

Benefits

• 100% Company-funded Health and Dental Insurance for employees and immediate family members
• Life insurance
• Vacations 30 days
• 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 lunches