PayJoy
Global Collections
BusinessAnalyst
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Business Analyst at PayJoy. Skills: Data Pipelines, Dashboarding, Data Analysis, Collections Operations. Design and maintain data ingestion pipelines. Monitor pipeline health”
What You'll Achieve.
Reliable and automated data pipelines feeding Customer.io; Reduced manual workload; Improved decision-making through well-maintained dashboards; Measurable improvement in portfolio recovery rates; Stronger connectivity with external data sources
Industry & Context.
proactively identify and address operational gaps; Excellent problem-solving skills
What They're Looking For.
Must Have
SQL (advanced), Python, Hex (or equivalent data notebookI tools), data ingestion and pipeline management, Customer.io or similar CRM/marketing automation platforms used for collections or customer engagement, data visualization and ability to build and maintain dashboards for operational teams, API integrations and connecting to external data sources, designing and running A tests or controlled experiments in a data-driven environment, Collections Operations, Credit Risk, Business Intelligence roles, portfolio management, delinquency tracking, recovery strategies, independently scope, build, and deploy analytical tools with minimal supervision, analytical mindset, translate data into business decisions, Excellent problem-solving skills, proactively identify and address operational gaps, collaborate effectively with both technical and non-technical teams, ownership mentality, managing multiple workstreams, delivering results independently
Nice to Have
collections, credit risk, or lending operations, EDC or similar external credit data providers, machine learning or statistical modeling for propensity scoring or segmentation, Fintech, financial services, or similar data-driven industries
What You'll Do.
Design and maintain data ingestion pipelines
Monitor pipeline health
Resolve data discrepancies or failures
Own and manage collections agent assignment logic
Maintain and update assignment workflows
Automate assignment processes
and optimize dashboards
Ensure data accuracy and reliability
Deliver insights to collections leadership
Respond to ad hoc reporting requests
Conduct in-depth analysis of customer segments
Design and execute A tests
Translate analytical findings into recommendations
Support continuous improvement of segmentation models
Establish and maintain data connections
Ensure external data sources are ingested
Identify new external data opportunities
Document integration workflows
and iterate on data-driven collections tools
Monitor tool performance post-launch
Identify inefficiencies in collections processes
Propose technical solutions
Stay up to date with industry best practices
How You'll Work.
Team & Collaboration
Collaborate with engineering and data teams; Partner with collections operations; Work with cross-functional teams; Work with internal and external areas; Support collections agents and team leads; Communicate technical findings; Collaborate with the risk, product, and engineering teams
Communication Scope
Communicate technical findings in a business-friendly language
Process & Methodology
independently scope, build, and deploy analytical tools
Full Job Description
## Description About PayJoy PayJoy, a Public Benefit Corporation, 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 ## Key responsibilities Data Ingestion & Customer.io Management: Design and maintain reliable data ingestion pipelines that feed customer and account data into Customer.io. Ensure data quality and consistency across ingestion flows using SQL and Python. Monitor pipeline health and proactively resolve data discrepancies or failures. Collaborate with engineering and data teams to expand and improve data sources feeding into collections workflows. Agent Assignment & Workflow Maintenance: Own and manage the collections agent assignment logic, ensuring accounts are correctly distributed based on defined rules and performance criteria. Maintain and update assignment workflows as team structure, strategies, or segmentation evolves. Automate assignment processes to reduce manual overhead and increase operational efficiency. Partner with collections operations to align assignment logic with business priorities and capacity planning. Dashboard Ownership & Reporting: Build, maintain, and optimize 15+ collections performance dashboards in Hex using SQL. Ensure data accuracy and reliability across all dashboards by implementing validation checks and data quality processes. Deliver insights that help collections leadership make inf
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