Capital Markets Associate

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 2024 we have brought billions of dollars in credit to 12 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Capital Markets Associate is responsible for maintaining and building financial models, preparing marketing materials for equity and debt raises, assisting with acquiring new funding partners and transactions, investor due diligence, investor relationship management, as well as contributing to high-impact strategic projects.

• Build analytical models to evaluate product, country, and capital structure decisions, including cost of capital, advance rates, and liquidity planning for review with senior leadership. 
• Coordinate with FP&A teams and build and update the company forecast model for investors, gain a deep understanding of the key drivers, and conduct analysis as needed 
• Prepare marketing materials and other presentations and reports as required to run the business, including for equity and debt raises. Support investor relations - investor engagement, manage data rooms and periodic updates with risk teams.
• Support and contribute to PayJoy’s funding strategy of the existing loan book in LatAm and expansion into new markets in Africa and Asia.
• Contribute on projects such as M&A, country expansion planning, new product launches, capital raises, and similar. 
• Assist in acquiring new funding partners, transaction execution, and relationship management
• Assist with preparedness for new funding sources - including corporate debt, securitizations, forward flow arrangements
• Simplify and improve processes, drive standardization and automation, and build scalable solutions to facilitate PayJoy’s future growth
• Synthesize and distill key financial and business insights to senior stakeholders and leadership - identify key financial metrics, analyze results, assess risk, and communicate risks & opportunities.

• Bachelor’s degree in Finance, Accounting, Economics, or related field. 
• Strong knowledge of accounting principles, capital markets, and financial planning
• 3-5 years experience in capital markets, investment banking, consulting, corporate finance, FP&A or related fields. 
• Strong financial modeling 
• Experience in fintech, banking, or regulated industries is a plus
• Knowledge of consumer lending products and fintech landscape is a plus
• Team player who is able to collaborate across multiple groups internally, work on a variety of projects simultaneously and across multiple geographies.
• Strong analytical aptitude and keen attention to detail
• Excellent written and verbal communication skills in English, with the ability to communicate complex concepts effectively.
• Creative, passionate about problem solving and solution orientation.
• Fluent in Microsoft Office, SQL skills a plus.
• Fluency in Spanish is a plus.

• 100% Company-funded health, dental, and vision insurance for employee and immediate family
• Company-funded employee life and disability insurance
• 3% employer 401k contribution
• Company holidays; 20 days vacations; flexible sick leave
• Phone finance, Headphone, home office equipment and fitness perks.
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Commuter benefit

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