PayJoy
Fintech
GrowthAnalyst
Neural analysis suggests this role is
optimal for Mid candidates.
“Growth Analyst at PayJoy. Skills: retail strategy, growth, data-driven market analysis, performance tracking, optimization initiatives. Execute growth strategies for new and existing retail locations. Implement retention strategies”
What You'll Achieve.
achieve financial stability and success for under-served customers; increase credit line utilization among customers; maintain low non-performing loan (NPL) ratios; improve margins; improve customer lifetime value; improve operational efficiency; drive foot traffic; expand our physical footprint; support rapid and sustainable retail growth
Industry & Context.
analytical mindset with the ability to turn insights into action
$2,000 USD annual Co-working Travel perk
What They're Looking For.
Must Have
Bachelor’s degree Business, Engineering, Marketing or similar, 3+ years of experience in retail strategy, growth, or product, 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, 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
What You'll Do.
Execute growth strategies for new and existing retail locations
Implement retention strategies
Identify and prioritize high-potential retail opportunities
Leverage data-driven insights to analyze store-level performance and customer behavior
Track full retail P&L
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
How You'll Work.
Team & Collaboration
Work closely with risk and credit teams; Partner with marketing and CRM teams; Work with key external and internal partners; Experience working with cross-functional teams
Communication Scope
Communication skills for effective collaboration; Intermediate English proficiency (written and spoken)
Process & Methodology
managing complex projects
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 ## 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. ## Re
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