{"id":120481,"url":"https://alion.io/job/payjoy-risk-analyst","title":"Business Analyst","company":{"id":7136,"name":"PayJoy","domain":"payjoy.com","url":"https://alion.io/company/payjoy","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Lever","truth_index":{"grade":"B","score":78,"open_postings":12,"ghost_share":0,"stale_share":0.667,"repost_share":0,"time_to_fill_p50_days":61,"computed_at":"2026-10-16T05:45:00Z"}},"role":"Analytics","role_family":"Analytics","seniority":"junior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Bogotá, Colombia"],"countries":[],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":47000,"max_usd":115000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":1536},"experience_years_min":2,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"A/B Testing","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-08-19T02:28:31Z","employer_posted_date":"2026-08-19","last_verified_at":"2026-10-16T17:09:41Z","board_verified":true,"closed_at":null,"days_open":58,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":58},"description":"PayJoy is hiring a Risk Analyst in Mexico who will help us scale PayJoy’s point of sale phone finance lending portfolio in 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.\nAs 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.\nResponsabilities:\nUse SQL and R or Python to extract and manipulate data underpins your recommendations (we are very data-driven).\n\nMake actionable recommendations about how to improve outcomes based on your analysis.\n\nWork closely with the Data Science team to implement ML and AI models that optimize portfolio outcomes..\n\nCreate dashboards that measure performance of credit portfolios, new product pilots and A/B tests.\n\nWrite succinct and thoughtful documentation that explains your analysis and recommendations.\n\nQualifications:\nBachelor's degree in Finance, Economics, Mathematics, Industrial Engineer or similar\n\n+2 years of experience in rigorous analytical/empirical role\n\nStrong general analytical and problem-solving skills\n\nMastery of SQL\n\nProficiency in Python or R\n\nUnderstanding of statistical tools and methods, and experience working with large data sets.\n\nConsumer finance experience is a plus.\n\nBenefits:\n100% Company-funded Health for employees and immediate family members. Life Insurance Indefinite-term contract.\n20 days of vacations, unlimited sick leave\n$2,000 USD annual Co-working Travel perk\n$2,000 USD annual Professional Development perk\nPhone finance, headphone benefit, home office equipment allowance and wellness perks.\nCatered lunches","description_format":"text","description_chars":2161,"description_truncated":false,"requirements":{"experience_years_min":2,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Home office","Life insurance","Professional development"],"hiring_locations":[{"name":"Colombia","iso":null,"kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Consumer Loans & Pawnshops","Buy Now, Pay Later"],"lifecycle":[{"event":"open","at":"2026-09-05T10:47:33Z"}],"visa":[],"liveness":{"score":27,"band":"fade","label":"Fading","p_open":1,"p_active":0.455,"p_room":0.6,"age_days":58,"expected_fill_days":61,"reasons":["conf:2","stale_co","velocity","win:late","crowd:junior"],"computed_at":"2026-10-16T05:45:00Z"},"pay":null,"html_url":"https://alion.io/job/payjoy-risk-analyst","json_url":"https://alion.io/job/payjoy-risk-analyst.json","meta":{"generated_at":"2026-10-16T20:08:20Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":636,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-17T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":7136},"rest":"https://alion.io/mcp/rest/get_company?id=7136"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fpayjoy-risk-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fpayjoy-risk-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fpayjoy-risk-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/payjoy-risk-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fpayjoy-risk-analyst"}]}