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

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

PayJoy is seeking a motivated Capital Markets Manager to join our Capital Markets team. The Capital Markets Manager will assist with equity and debt raises, developing banking and debt investor relationships, building and maintaining financial models and developing strategic analysis, preparing marketing materials, managing rating agency and investor due diligence, as well as contributing to high-impact strategic projects.

The ideal candidate must have strong financial analysis experience, be highly motivated, comfortable with ambiguity, capable of taking initiative, and driving results while effectively partnering with various stakeholders across the organization. Experience with consumer finance, structured, and capital markets is strongly preferred.

Role will be located in New York, and in office at least 3 days a week.

PayJoy is seeking a motivated Capital Markets Manager to join our Capital Markets team. The Capital Markets Manager will assist with equity and debt raises, developing banking and debt investor relationships, building and maintaining financial models and developing strategic analysis, preparing marketing materials, managing rating agency and investor due diligence, as well as contributing to high-impact strategic projects.

The ideal candidate must have strong financial analysis experience, be highly motivated, comfortable with ambiguity, capable of taking initiative, and driving results while effectively partnering with various stakeholders across the organization. Experience with consumer finance, structured, and capital markets is strongly preferred.

Role will be located in New York, and in office at least 3 days a week.

Responsibilities

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

Support and contribute to PayJoy’s funding strategy of the existing loan book in LatAm and expansion into new markets in Africa and Asia.

Assist with preparedness for new funding sources - including corporate debt, securitizations, forward flow arrangements, local country financing structures. Support structuring workstreams and coordinate with rating agencies, trustees, legal counsel, and other external deal parties as needed.

Monitor and manage performance of existing credit facilities, including covenant compliance, borrowing base reporting, and lender communications.

Assist in acquiring new funding partners, transaction execution, and relationship management

Conduct ongoing market research and competitive analysis on funding trends, spreads, and market conditions relevant to PayJoy's financing strategy.

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.

Contribute on projects such as M&A, country expansion planning, new product launches, capital raises, and similar.

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

Requirements

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; ability to build and maintain complex, dynamic models independently, including investor models, cash flow waterfalls, and scenario/sensitivity analyses.

Experience with structured finance products (ABS, whole loan sales, forward flow, warehouse facilities, HY bonds) is a plus.

Exposure to rating agency processes and credit structuring is a plus.

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. Python or other scripting/automation experience is a plus.

Spanish is a plus

Benefits

100% Company-funded health insurance for employee and immediate family
Company-funded employee life and disability insurance
$2,000 annual Co-working Travel perk
$2,000 annual Professional Development perk
$340 Monthly Commuter benefit
401k contribution of 3% of salary (up to IRS limits)
Headphone benefit, home office equipment allowance and wellness perks
Catered lunches
20 paid vacation days, unlimited sick leave

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

Capital Markets Senior Manager