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DNX Ventures
DNX Ventures

Merchant Operations Analyst



IT, Operations
Quito, Ecuador
Posted on Wednesday, May 8, 2024
About PayJoy
PayJoy is a mission-driven company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success. Founded in 2015, PayJoy’s “secret sauce” technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system. We reached profitability in 2020, reaching 10 million happy customers and over a billion dollars of sales in 2023.
This Role
PayJoy is looking for a Merchant Operations Analyst in Quito responsible for running and maintaining processes linked with our finance team, commercial team and partners. You will be tasked with managing financial databases, elaborating reconciliation reports, identifying potential risks in current processes and providing insights to stakeholders . This role will also provide support to our sales team and their relationship with our partners through the use of internal tools and presenting relevant information. An ideal candidate should be a professional who is analytical, methodical, driven by results, has experience in finance, can easily work with other teams and is comfortable working in an environment of rapid change.


  • Manage financial databases, elaborate reconciliation reports and monitor bank statements.
  • Identify potential risks in processes and work with the finance team to provide optimal solutions.
  • Provide financial insights to stakeholders and decision makers.
  • Plan and execute improvements for financial data management.
  • Give support to the sales team and partners.
  • Run and maintain day to day merchant operations processes.


  • Bachelor’s degree.
  • At least 3 years of experience in finance, operations or a related field.
  • Experience in finance, operations, data analysis, administration, accounting, and a demonstrated knowledge of managing large databases as well as elaborating financial reports.
  • Advanced Skills in MS Excel/Google Sheets.
  • Ability to think critically, with an analytical mindset, measuring results before and after project delivery.
  • Exceptional communication, presentation, and organizational skills.
  • Ability to thrive in a fast-paced environment.
  • Collaborative, team player with a strong focus on delivering to have an impact.
  • Intermediate oral and written English skills preferred.

Desirable Qualifications

  • Strong technology skills (MS Office, CRMs, SQL, etc.)
  • Finance industry background
  • Accounting skills
  • Data analysis


  • Company-funded health insurance
  • Life insurance
  • Dental plan
  • Individual retirement plan 3%
  • 20 days of vacations
  • $2,000 USD annual Coworking Travel Perk
  • $2,000 USD annual Professional Development Perk
  • $500 USD annual Fitness Perk
  • $500 USD Phone Finance allowance
  • $250 USD Home Office equipment allowance
  • $200 USD Headphone allowance
PayJoy 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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed