Merchant Operations Analyst
Quito
Go To Market – Merchant Operations /
Hybrid
About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
A Merchant Operations Analyst in Ecuador is responsible for running and maintaining processes linked to our commercial team and partners. They will be tasked with elaborating reconciliation reports, identifying potential risks in current processes, and providing insights to stakeholders. This role will also provide support to our sales team and their relationship with our partners through the use of internal tools and presenting relevant information
Key responsibilities
- Manage store-related requests regarding partner payments, including bank account updates, payment details, discounts, and other inquiries.
- Support continuous improvement initiatives driven to promote operational excellence and process optimization.
- Manage the operations of local channels (Kiosco, In-store payment, etc.), contributing to the strategic expansion of the channel.
- Analyze and process partner payments related to financing transactions conducted across multiple retailers and telcos
- Perform monthly calculations of commissions payable to operators and other relevant stakeholders, manage commission payments, and ensure efficient financial performance.
- Lead coordination efforts with the Treasury to ensure timely and accurate execution of partner payments.
- Collaborate with the Accounting team to perform weekly reconciliations, ensuring accurate account balancing and reporting.
- Ensuring operational efficiency and alignment with internal controls, and implementing fraud prevention and control measures.
- Resolves issues within collection channels, including reconciliation discrepancies and identification of unapplied payments.
Qualifications
- Bachelor's degree in industrial engineering, administration, finance, or other related fields
- 2+ years of experience in payments and data analysis across sectors such as banking, telecommunications, retail, and financial services
- Outstanding organization, detail-oriented, problem-solving orientation, analytical and structured communication skills.
- Ability to engage and grow commercial partners, present and train teams, and implement effective processes.
- Strong technology skills (MS Office, CRMs, SQL, Google Suite or Office, especially Excel, etc.), handling large volumes of databases, as well as elaborating financial reports.
- Ability to analytically interpret and use data to guide strategic and operational decisions.
Benefits
- 100% Company-funded health insurance for employees and immediate family members
- Life insurance
- Dental plan
- Phone finance, headphones, home office equipment,t and fitness perks.
- Individual retirement plan 3%
- 20 days of vacation
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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 * Active Listening
