Payjoy20d ago

Growth Analyst

LimaFull-Timemid

OtherGrowth AnalystData & AIGrowth Data Analyst

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Quick Summary

Overview

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.

Technical Tools

OtherGrowth AnalystData & AIGrowth Data 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

Execute growth strategies for new and existing retail locations, including market selection, launch planning, and performance tracking.

Implement retention strategies through brand partnerships and increase credit line utilization among these customers.

Identify and prioritize high-potential retail opportunities through data-driven market analysis.

Leverage data-driven insights to analyze store-level performance and customer behavior, identifying growth levers and implementing optimization initiatives

Work closely with risk and credit teams to maintain low non-performing loan (NPL) ratios while preserving a strong, attractive product and financing offer for customers.

Track full retail P&L, identifying drivers of profitability and making recommendations to improve margins, customer lifetime value, and operational efficiency.

Partner with marketing and CRM teams to localize campaigns and drive foot traffic.

Work with key external and internal partners to expand our physical footprint and co-develop new product and service offerings in-store.

Build scalable playbooks and SOPs to support rapid and sustainable retail growth.

Champion continuous improvement and innovation in the retail experience.

Bachelor’s degree Business, Engineering, Marketing or similar.

3+ years of experience in retail strategy, growth, or operations, ideally in fast-paced environments such as retail tech, fintech, or startups.

Analytical skills with data-driven approach.

Communication skills for effective collaboration.

Self-driven and results-driven, willing to work in a dynamic, high-change environment.

Strong analytical mindset with the ability to turn insights into action.

Intermediate English proficiency (written and spoken).

Experience working with cross-functional teams and managing complex projects.