About Pay Joy
Pay Joy, 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 Pay Joy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life.
Pay Joy’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 This role exists to build and own the financial-operations data foundation that Pay Joy's business decisions depend on. The Fin Ops Engineer designs the canonical Fin Ops data models, unit economics, cost structure, margins, and pricing — that today do not exist in a consolidated form, and takes over the recurring operational load (reporting, reconciliations, and periodic closes) that is currently done manually. By establishing a single source of truth for the company's financial metrics and making the underlying pipelines reliable, tested, and automated, this role gives finance and business leaders trustworthy numbers to set the business baseline, monitor key KPIs, and make decisions and lays the groundwork for forecasting, Key responsibilities
Design, build, and maintain the canonical Fin Ops data models (unit economics, cost structure, margins, and pricing) that do not exist today,



so the business has consistent, reliable financial metrics to decide from.
Establish and document the single source of truth for the business's financial metrics, aligning definitions across teams so everyone reports from the same numbers.
Build and maintain data pipelines that integrate the relevant sources (ledger, payments/collections, billing, credit-origination platforms, cloud), so the financial models are fed complete and up-to-date data.
Implement data-quality tests and validations at the transaction level before models feed decisions, keeping the numbers behind business decisions trustworthy.
Automate the reporting, reconciliations, and Fin Ops processes that are manual today and own the operational cadence (periodic closes and recurring deliverables), reducing manual work and freeing the team for higher-value analysis.
Build, maintain, and evolve the metrics dashboards for stakeholders and handle ad-hoc data and financial-analysis requests from the areas that depend on Fin Ops.
Establish the business baseline and its ETA, define and monitor the key financial KPIs, and provide data support to forecasting, budgeting, and projection exercises.
Requirements
Education:



Bachelor's degree in engineering, computer science, information systems, data, finance/accounting, or a related field, or equivalent practical experience.
Language and level of proficiency: advanced English.
Software and technical skills: advanced SQL and Python; analytical databases / data warehouses (Snowflake, Databricks, or Big Query); ELT/ETL pipelines, incremental models, and historical loads.
Specialized knowledge: accounting/finance fundamentals (double-entry, clearing, reconciliation, accruals) and BI dashboard design and maintenance.
Experience:
years in data / analytics engineering, ideally working with financial data.
Benefits
Local benefits depending on the country of hire
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
Pay Joy 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.
Pay Joy Principles

📌 Analytics engineer (Hidalgo)
🏢 Payjoy
📍 Hidalgo