Fresh Jobs at PayJoy

This role

• The Financial Analyst will work directly with PayJoy South Africa's data warehouse to build, maintain, and improve the reporting that underpins the accounting function. The role bridges raw transactional and portfolio data with the financial statements, working closely with accounting, financial reporting, and audit stakeholders to ensure that reports are accurate, well-controlled, and delivered on time. This is a hands-on analytical role requiring strong SQL/Python skills and a working understanding of accounting and lending concepts (e.g. amortisation, depreciation, charge-offs, provisioning).

Responsibilities

• Extract, clean, and transform data from the company's data warehouse (via Hex, SQL, and Python) to produce recurring and ad hoc reports for the accounting and finance teams.
• Build and maintain reports that directly support month-end and year-end close, including portfolio roll-forwards, charge-off and write-off analysis, and provisioning/impairment schedules.
• Support depreciation and amortisation modelling for financed devices, including EIR (effective interest rate) calculations and reconciliation to accounting records.
• Assist with preparation of schedules and supporting documentation for internal and external audits, ensuring data lineage and calculations can be clearly explained and reproduced.
• Reconcile data warehouse outputs to the general ledger and investigate/resolve discrepancies in collaboration with the accounting team.
• Develop and maintain dashboards and automated reporting pipelines (Hex/Python) to reduce manual effort and improve accuracy and consistency of recurring reports.
• Document data sources, definitions, and report logic so that reports are auditable, repeatable, and understandable to non-technical stakeholders.
• Support portfolio analytics, including delinquency, MAU (monthly active user), and other KPI reporting used by finance and management.
• Respond to ad hoc data and analysis requests from accounting, FP&A, and management with accurate, well-documented outputs.
• Flag data quality issues in the warehouse and work with data/engineering teams to get them corrected at source.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, Data Science, Statistics, or a related quantitative field.
• 1-3 years of experience in a financial analysis, reporting, or accounting-support role, ideally within financial services, fintech, or a data-intensive environment.
• Working knowledge of basic financial and accounting concepts (accruals, amortisation, depreciation, provisioning/impairment, reconciliations).
• Exposure to lending, credit, or asset-financing businesses is an advantage but not essential.
• Proficient in SQL for querying and manipulating data in a warehouse environment.
• Working proficiency in Python for data analysis (e.g. pandas) and report automation.
• Experience with Excel for financial modelling and analysis (formulas, pivot tables; VBA is a plus).
• Experience with Hex, or similar notebook/BI tools (e.g. Looker, Power BI, Tableau), is an advantage.
• Comfortable working with large, sometimes imperfect datasets, and able to reconcile data across systems.
• Strong analytical and problem-solving skills, with a methodical approach to investigating discrepancies.
• High attention to detail and accuracy, particularly given the reports feed into audited financial statements.
• Clear written and verbal communication skills, with the ability to explain technical/data concepts simply to accounting and non-technical stakeholders.
• Strong personal organisation, able to manage multiple deliverables and meet month-end/audit deadlines.
• A collaborative, ownership-driven mindset, comfortable working across finance, accounting, and data/engineering teams.
• Accounting team – primary internal customer for recurring reports and audit support.
• Finance/FP&A team – collaboration on forecasting, portfolio analytics, and management reporting.
• Data/engineering team – escalation point for data quality and warehouse issues.
• External auditors – as a source of supporting schedules and explanations during audit cycles (via the accounting team)

Benefits

• 100% Company Funded : Private Health Insurance for employee and immediate family
• Pension Fund
• Company-funded employee life and disability insurance
• 20 days vacation, 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 Lunch

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This role

• The Country Controller is responsible for leading all accounting, financial reporting, compliance, and internal control activities for the company’s operations in South Africa and India, ensuring alignment with both local statutory requirements and U.S. corporate reporting standards. This role serves as the primary finance lead for the country and acts as a key liaison between the local business leadership and the U.S.-based Corporate Accounting team.

Responsibilities

• Lead all local accounting operations, including general ledger management, reconciliations, and month-end and year-end close processes.
• Ensure accurate and timely financial reporting in accordance with local GAAP and U.S. GAAP / corporate reporting standards.
• Prepare and review statutory financial statements, regulatory filings, and local compliance reports.
• Manage relationships with external auditors, tax advisors, and regulatory authorities.
• Oversee local tax compliance, including corporate income tax, VAT/GST, withholding taxes, and other statutory filings.
• Maintain and strengthen internal controls, accounting policies, and financial governance frameworks consistent with corporate standards and SOX-style controls where applicable.
• Partner with the Corporate Controller and global accounting team to ensure alignment of accounting policies, reporting packages, and consolidation requirements.
• Support the monthly and quarterly corporate close and consolidation process, including preparation of reporting packages and variance analysis.
• Develop and implement scalable accounting processes and systems to support business growth in the region.
• Partner with FP&A, Treasury, Legal, Compliance, and Operations to support financial planning, regulatory matters, and operational initiatives.
• Provide financial insights and guidance to local leadership on business performance and risks.
• Manage and mentor the local accounting and finance team, including hiring, training, and performance management.
• Support cross-border transactions, intercompany accounting, and transfer pricing documentation.
• Assist with new product launches, entity structuring, and market expansion initiatives from an accounting and compliance perspective.

Requirements

• Bachelor’s degree in Accounting, Finance, or related field; Master’s degree preferred.
• CPA, CA, ACCA, or equivalent professional accounting certification required.
• 8–12+ years of progressive accounting experience, including experience in multinational or public companies.
• Strong knowledge of local GAAP and statutory reporting requirements in the relevant country.
• Experience working with U.S. GAAP reporting and multinational corporate consolidation.
• Background in fintech, financial services, lending, payments, or regulated financial institutions strongly preferred.
• Experience managing external audits and statutory compliance.
• Demonstrated expertise in internal controls, financial governance, and accounting policy implementation.
• Proven ability to operate in a fast-growing, high-growth or startup environment.
• Experience managing or building local accounting teams.
• Strong proficiency with ERP systems and financial reporting tools (e.g., NetSuite, Oracle, SAP, or similar).
• Excellent analytical, communication, and cross-functional collaboration skills.
• Ability to work effectively with global teams across multiple time zones.
• High level of integrity, attention to detail, and ownership.

Benefits

• 100% Company Funded : Private Health Insurance for employee and immediate family
• Pension Fund
• Company-funded employee life and disability insurance
• 20 days vacation, 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 Lunch

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This role

• A successful candidate for the role of Fraud Prevention Representative should possess strong communication skills, enabling effective collaboration with his team and different teams across multiple countries. They must have a deep understanding of customer service/fraud prevention principles and the ability to analyze diverse fraud vectors and ensure to adapt to market-specific needs. The candidate should also demonstrate cultural sensitivity, problem-solving abilities, and the capability to receive and act on constructive feedback to drive continuous improvement and maintain high customer satisfaction levels.

Responsibilities

• Real time evaluation and transcript missing information from Identity Documents of suspicious sales flagged by automated tools.
• Prevent identity theft and other fraud vectors as well as report them accurately.
• Contribute to Finance Order originations by approving good sales and correctly blocking bad sales.
• High sense of urgency by reporting issues or bugs derived from Dashboards or Tools. 
• Manages and resolves customer disputes related to banking transactions, delivering timely and empathetic support in compliance with internal policies and regulatory requirements; proactively identifies and prevents potential fraud by detecting suspicious patterns, conducts in-depth investigations and root-cause analysis, and collaborates with cross-functional teams to ensure accurate resolution and continuous risk mitigation.

Requirements

• Partially or completed technical or university studies in related areas such as Business Administration, Communications, or similar fields. 
• Basic level of English. 
• Intermediate knowledge of Microsoft Office tools. 
• Previous experience in customer service or support, preferably in sales or the financial sector, for at least one year. 
• Effective communication skills, ability to work in a team, and handle difficult situations under pressure.

Benefits

• 100% Company Funded : Private Health Insurance for employee and immediate family
• Pension Fund
• Company-funded employee life and disability insurance
• 20 days vacation, 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 Lunch