Growth Analyst

About PayJoy

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 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.

This role

The Growth Analyst is responsible for supporting any growth opportunities and design, executing strategies to attract potential new customers, retain existing customers and help to increase sales and profitability across our retail network.

Responsibilities

• Execute growth strategies for new and existing retail locations, including market selection, launch planning, and performance tracking.
• Implement retention strategies through brand partnerships and increase credit line utilization among these customers.
• Identify and prioritize high-potential retail opportunities through data-driven market analysis.
• Leverage data-driven insights to analyze store-level performance and customer behavior, identifying growth levers and implementing optimization initiatives
• Work closely with risk and credit teams to maintain low non-performing loan (NPL) ratios while preserving a strong, attractive product and financing offer for customers.
• Track full retail P&L, identifying drivers of profitability and making recommendations to improve margins, customer lifetime value, and operational efficiency.
• Partner with marketing and CRM teams to localize campaigns and drive foot traffic.
• Work with key external and internal partners to expand our physical footprint and co-develop new product and service offerings in-store.
• Build scalable playbooks and SOPs to support rapid and sustainable retail growth.
• Champion continuous improvement and innovation in the retail experience.

Qualifications

• Bachelor’s degree Business, Engineering, Marketing or similar.
• 3+ years of experience in retail strategy, growth, or operations, ideally in fast-paced environments such as retail tech, fintech, or startups.
• Analytical skills with data-driven approach.
• Communication skills for effective collaboration.
• Self-driven and results-driven, willing to work in a dynamic, high-change environment.
• Strong analytical mindset with the ability to turn insights into action.
• Intermediate English proficiency (written and spoken).
• Experience working with cross-functional teams and managing complex projects.
• Comfortable with ambiguity and energized by building from scratch.
• Fluency in retail metrics, customer acquisition, and unit economics.

Benefits

• 100% Company-funded health insurance for employee and immediate family
• Company-funded employee life and disability insurance
• Paid vacation days, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone finance, headphone benefit, home office equipment allowance and wellness perks
• Catered lunches

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.

PayJoy Principles

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.