A hybrid role at PayJoy.
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Original listing text, shown exactly as published by the company.
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Build analytical models to evaluate product, country and capital structure decisions including cost of capital, advance rates and liquidity planning for review with senior leadership.
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Coordinate with FP&A teams and build and update the company forecast model for investors, gain a deep understanding of the key drivers and conduct analysis as needed
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Support and contribute to PayJoy’s funding strategy of the existing loan book in LatAm and expansion into new markets in Africa and Asia.
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Assist with preparedness for new funding sources - including corporate debt, securitizations, forward flow arrangements, local country financing structures. Support structuring workstreams and coordinate with rating agencies, trustees, legal counsel, and other external deal parties as needed.
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Monitor and manage performance of existing credit facilities, including covenant compliance, borrowing base reporting, and lender communications.
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Assist in acquiring new funding partners, transaction execution, and relationship management
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Conduct ongoing market research and competitive analysis on funding trends, spreads, and market conditions relevant to PayJoy's financing strategy.
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Prepare marketing materials and other presentations and reports as required to run the business, including for equity and debt raises. Support investor relations - investor engagement, manage data rooms and periodic updates with risk teams.
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Contribute on projects such as M&A, country expansion planning, new product launches, capital raises, and similar.
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Simplify and improve processes, drive standardization and automation, and build scalable solutions to facilitate PayJoy’s future growth
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Synthesize and distill key financial and business insights to senior stakeholders and leadership - identify key financial metrics, analyze results, assess risk and communicate risks & opportunities
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Bachelor’s degree in Finance, Accounting, Economics, or related field.
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Strong knowledge of accounting principles, capital markets, and financial planning
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3-5 years experience in capital markets, investment banking, consulting, corporate finance, FP&A or related fields.
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Strong financial modeling; ability to build and maintain complex, dynamic models independently, including investor models, cash flow waterfalls, and scenario/sensitivity analyses.
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Experience with structured finance products (ABS, whole loan sales, forward flow, warehouse facilities, HY bonds) is a plus.
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Exposure to rating agency processes and credit structuring is a plus.
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Experience in fintech, banking, or regulated industries is a plus
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Knowledge of consumer lending products and fintech landscape is a plus
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Team player who is able to collaborate across multiple groups internally, work on a variety of projects simultaneously and across multiple geographies.
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Strong analytical aptitude and keen attention to detail
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Excellent written and verbal communication skills in English, with the ability to communicate complex concepts effectively.
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Creative, passionate about problem solving and solution orientation.
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Fluent in Microsoft Office, SQL skills a plus. Python or other scripting/automation experience is a plus.
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Spanish is a plus
PayJoy
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Source: company website
