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 This is your opportunity to be the Financial Analyst for PayJoy South Africa. You will oversee the FP&A functions, budgeting&Forecasting, product profitability analysis and processes. The successful candidate will understand the business and help set processes that will enable us to scale, anticipating issues and thinking ahead of what will be needed to support business growth. This person will report directly to the Head of Finance SA. Responsibilities Coordinate annual and long range plans, and publish monthly reporting of KPIs and financials against these plans. Perform quarterly and monthly forecasting. Set financial processes to support PayJoy SA in scaling. Coordinate with the operations team, business development team and accounting team to achieve this. Assist in managing treasury function, including set right controls for payments and transfers. Help with month end close and partner reconciliation. Perform financial profitability analysis of products. Develop business cases and expected profitability for all initiatives done in SA and the rest of Africa. Assist Head of Finance SA with daily functions. Required Qualifications Bachelor’s degree in Finance, Statistics, Economics or related studies. 3-5 years financial experience in FP&A. Demonstrated ability in driving forecasts and budgeting processes and IFRS understanding. Strong problem solver and critical thinker, clearly synthesis and communicate financial terms to senior leaders. Advanced knowledge of excel and other data analysis software. 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 Apply for Financial Analyst Resume/CV* Demographic Survey for PayJoy We invite you to complete this optional survey to help us evaluate our diversity and inclusion efforts. Submission of the information on this form is strictly voluntary and refusal to provide it will not subject you to any adverse treatment or affect your job application. Information obtained will be kept separate from your name or job application. This information will be kept secure and confidential and will be used solely to evaluate our diversity and inclusion efforts. Demographic Survey for PayJoy We invite you to complete this optional survey to help us evaluate our diversity and inclusion efforts. Submission of the information on this form is strictly voluntary and refusal to provide it will not subject you to any adverse treatment or affect your job application. Information obtained will be kept separate from your name or job application. This information will be kept secure and confidential and will be used solely to evaluate our diversity and inclusion efforts. What gender do you identify as? Male Female Non-binary Prefer not to respond #J-18808-Ljbffr