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DNX Ventures
DNX Ventures

Risk Analyst



Bogotá, Bogota, Colombia · Mexico City, Mexico
Posted on Wednesday, May 15, 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 hiring a Risk Analyst in Mexico who will help us scale PayJoy’s point of sale phone finance lending portfolio in Mexico, LATAM, and other global markets. The right candidate will be self-driven, ambitious, and data driven, looking to have a big impact at a fast growing startup. The right candidate will also be deeply motivated by PayJoy’s mission to empower the next billion smartphone users.
As Risk Analyst you will use PayJoy’s data warehouse to build analysis, policy recommendations, and dashboards that optimize risk outcomes across PayJoy’s portfolio of credit products and countries. In addition to building datasets and dashboards you will be focused on defining actionable next steps that improve product profitability and risk KPIs. You will work directly with and provide data leadership for a broad set of teams including: Executives, Product, Engineering and Go to Market.


  • Use SQL and R or Python to extract and manipulate data underpins your recommendations (we are very data-driven).
  • Make actionable recommendations about how to improve outcomes based on your analysis.
  • Work closely with the Data Science team to implement ML and AI models that optimize portfolio outcomes..
  • Create dashboards that measure performance of credit portfolios, new product pilots and A/B tests.
  • Write succinct and thoughtful documentation that explains your analysis and recommendations.


  • Bachelor's degree in Finance, Economics, Mathematics, Industrial Engineer or similar
  • +2 years of experience in rigorous analytical/empirical role
  • Strong general analytical and problem-solving skills
  • Mastery of SQL
  • Proficiency in Python or R
  • Understanding of statistical tools and methods, and experience working with large data sets.
  • Consumer finance experience is a plus.


  • Company-funded Health and Dental Insurance for employees and immediate family members
  • Life insurance
  • 30 days of Christmas bonus
  • 50% Vacation premium
  • 13% Saving funds
  • 2,000 MXN monthly grocery coupons
  • 20 days paid Vacation
  • 2,000 USD annual International Business Travel allowance
  • 2,000 USD annual Professional Development allowance
  • 500 USD annual Fitness allowance
  • 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