**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 **** while achieving solid profitability for sustainable growth.
**This role**
**Key responsibilities**:
Data Ingestion & Customer.io Management:
- Design and maintain reliable data ingestion pipelines that feed customer and account data into Customer.io.
- Ensure data quality and consistency across ingestion flows using SQL and Python.
- Monitor pipeline health and proactively resolve data discrepancies or failures.
- Collaborate with engineering and data teams to expand and improve data sources feeding into collections workflows.
Agent Assignment & Workflow Maintenance:
- Own and manage the collections agent assignment logic, ensuring accounts are correctly distributed based on defined rules and performance criteria.
- Maintain and update assignment workflows as team structure, strategies, or segmentation evolves.
- Automate assignment processes to reduce manual overhead and increase operational efficiency.
- Partner with collections operations to align assignment logic with business priorities and capacity planning.
Dashboard Ownership & Reporting:
- Build, maintain, and optimize 15+ collections performance dashboards in Hex using SQL.




- Ensure data accuracy and reliability across all dashboards by implementing validation checks and data quality processes.
- Deliver insights that help collections leadership make informed decisions on recovery strategies, agent performance, and portfolio health.
- Respond to ad hoc reporting requests and iterate on dashboards as business needs evolve.
Segment Analysis & Experimentation:
- Conduct in-depth analysis of customer segments to identify recovery patterns, risk profiles, and opportunities for targeted collections strategies.
- Design and execute A/B tests and experiments to measure the impact of new collections approaches on recovery rates.
- Translate analytical findings into clear, actionable recommendations for the collections team.
- Support the continuous improvement of segmentation models by incorporating behavioral, payment, and risk data.
EDC Integration & External Data Connectivity:
- Establish and maintain data connections with EDC and other external data providers relevant to collections operations.
- Ensure external data sources are properly ingested, validated, and available for analysis and modeling.
- Work with cross-functional teams to identify new external data opportunities that can improve collections outcomes.
- Document integration workflows and data dictionaries to ensure operational continuity.
Collections Tools & Portfolio Recovery:
- Design, launch,



and iterate on data-driven collections tools (e.g., propensity models, contact prioritization logic, automated treatment triggers) aimed at improving portfolio recovery.
- Monitor tool performance post-launch and make data-backed adjustments to maximize recovery impact.
- Identify inefficiencies in current collections processes and propose technical solutions to address them.Cross-functional Collaboration:
- Work with internal and external areas to ensure data consistency across departments.
- Support collections agents and team leads with training on dashboards, reports, and automated processes.
- Communicate technical findings in a business-friendly language for non-technical stakeholders.
- Collaborate with the risk, product, and engineering teams to align collections data initiatives with broader company goals.
**Qualifications**:
Technical Skills & Tools:
- Mandatory: SQL (advanced), Python, Hex (or equivalent data notebook/BI tools), data ingestion and pipeline management.
- Experience with Customer.io or similar CRM/marketing automation platforms used for collections or customer engagement.
- Proficiency in data visualization and ability to build and maintain dashboards for operational teams.
- Familiarity with API integrations and connecting to external data sources.
- Experience designing and running A/B tests or controlled experiments in a data-driven environment.
Desirable but Not Essential:
- Knowledge of collections, credit risk, or lending operations.
- Experience with EDC or similar external credit data providers.
- Familiarity with machine learning or statistical modeling for propensity scoring or segmentation.
- Experience working in Fintech, financial services, or similar data-driven industries.
Spe

📌 Business Analyst (Xico)
🏢 Payjoy
📍 Xico