Financial Operations Manager

**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**

**Responsibilities**:

- **Strategic Leadership**:

- Lead and develop a team of financial operations professionals, fostering a culture of excellence and continuous improvement.
- Collaborate with senior leadership to develop and execute financial strategies that support organizational goals.
- ** Automation and Process Improvement**:

- Collaborate with the product team to configure and implement automated systems, reducing manual tasks.
- Identify and implement innovative solutions to enhance process automation and efficiency.
- Streamline and standardize financial processes to reduce exceptions and improve overall efficiency.
- ** Commission Management**:

- Oversee commission processes, ensuring they are accurate and efficient.
- Implement strategies to eliminate manual commission templates and integrate commission data into our Database.
- Ensure commissions are accurately edited in Dashboard and properly recorded in the database.
- ** Reconciliation**:

- Develop and implement a robust reconciliation process between PayJoy and our partners to ensure accurate financial records.
- Regularly review and refine reconciliation processes to maintain accuracy and compliance.
- ** Transaction Reporting**:

- Utilize advanced reporting tools to provide detailed transaction breakdowns and resolve any issues related to admin payments.
- Ensure transparency and accuracy in financial reporting to support decision-making.
- ** Payment Processing**:

- Design and implement a localized payment process flows
- Monitor and optimize payment processing to ensure efficiency and accuracy.
- Identify and eliminate low-value payment providers, defined as those with low volume and high friction.
- Implement high-quality manual processes where needed to reconcile the remainder of admin payments.
- ** Data Accuracy and Management**:

- Ensure all financial data, including commissions, are accurately recorded in the PayJoy database.
- Intermediate-Advanced SQL skills
- Maintain accurate and up-to-date records of all financial transactions.
- ** Innovation and Creativity**:

- Seek innovative solutions to financial operations challenges.
- Work beyond what is expected, always looking for ways to improve and build better processes.
- ** Collaboration and Communication**:

- Work closely with local merchant operations and GTM leaders to optimize financial processes.
- Communicate effectively with cross-functional teams to ensure alignment and support for financial initiatives.
- Foster a collaborative environment to drive change and achieve common goals.
- ** Project Management**
- Plan, execute, and oversee projects to improve financial operations, ensuring successful project completion within budget and scope.
- Set clear project goals, manage timelines, and coordinate with various stakeholders to ensure project milestones are met.

**Requirements**:

- Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
- Intermediate-Advanced SQL skills.
- Extensive experience in financial operations management, with a proven track record of success.
- Strong leadership and team development skills, with the ability to inspire and motivate.
- Exceptional analytical and problem-solving abilities.
- Proficiency with financial systems and databases
- Excellent communication and interpersonal skills.
- Ability to manage cross-functional teams and drive operational improvements.
- Knowledge of local tax laws and fiscal regulations is highly preferred.
- Creativity and innovation in solving complex financial problems.

**Benefits**:

- $2,000 USD annual Coworking Travel allowance
- $2,000 USD annual Professional Development allowance
- $500 USD annual Fitness allowance
- $500 USD Phone Finance allowance
- $250 USD Home Office equipment allowance
- $200 USD Headphone allowance

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.