.PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.This roleThe Senior Analyst will spearhead the optimization of our financial operations, playing a crucial role in ensuring high efficiency, low cost, and scalability. This role is pivotal in introducing new processes, reducing exceptions across markets, building standardized processes and enhancing overall financial management. The ideal candidate will possess a strong background in financial management, exceptional problem-solving skills, and the ability to drive change across global teams. This individual must be a builder, capable of working beyond what's expected, and driven to seek innovative solutions that elevate our financial operations. Creativity, proactive thinking, and a strategic mindset are essential to succeed in this dynamic role. The Senior Analyst will collaborate closely with various stakeholders, including the product team, local merchant operations, and GTM leaders, to optimize and streamline financial processes, ensuring data accuracy and maintaining efficient payment systems.ResponsibilitiesLead and mentor the financial operations team, promoting excellence and continuous improvement.Collaborate with senior leadership to align financial strategies with organizational goals.Work with product teams to implement automated systems and reduce manual tasks.Identify innovative solutions for process automation and standardization to boost efficiency.Develop and manage a robust reconciliation process with partners for accurate financial records.Regularly review and improve reconciliation practices to maintain compliance and accuracy.Use advanced reporting tools for transaction breakdowns and to resolve our partners' payment issues.Ensure clear and accurate financial reporting to support decision-making.Design and optimize localized payment process flows to ensure accuracy and efficiency.Ensure all financial data is accurately recorded.Utilize intermediate to advanced SQL skills to maintain up-to-date financial records.Continuously seek innovative solutions to improve financial processes.Partner with local merchant operations and GTM leaders to optimize financial workflows.Foster strong cross-functional communication to support financial initiatives and drive change.Lead projects to enhance financial operations, managing timelines, budgets, and stakeholder coordination to ensure successful completion