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About the Company
Finance for the next billion PayJoy 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 credit 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 nearly 20 million customers and lent nearly 4B across 9 countries while achieving solid profitability and growth. Financial Services Specialties: Consumer Finance, Mobile, data science, emerging markets, nextbillion, access
Responsibilities
- ● 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.
- ● The AI and Automation Analyst is responsible for designing, building, and deploying AI-powered solutions and automations that streamline processes, reduce manual work, and unlock new capabilities across PayJoy. Acting as the bridge between business needs and applied AI/automation technology, this role identifies opportunities, develops and integrates models, agents, and workflow automations, and ensures they run reliably and responsibly in production. Ultimately, the engineer turns repetitive tasks and complex problems into scalable, intelligent solutions that improve efficiency, decision-making, and customer experience.
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