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

The Business Analyst is responsible for supporting multi functions in Indonesia through project management, data extraction and analysis, developing reports on performance measurement objectives and KPIs, using Business Intelligence tools and SQL, identifying improvement opportunities, and generating insights that optimize efficiency, quality, and customer experience.

This role is also critical to support and project manage strategic initiatives with regulators, external partners as well as to drive broader Indonesia-wide strategic program

Responsibilities

Lead and project manage initiatives involving regulatory bodies (including OJK and other relevant Indonesian regulators) as well as overall Indonesia strategic initiatives, ensuring timely delivery and cross-functional alignment.
Conduct in-depth market research and competitive analysis to identify trends, opportunities, and threats;
Build and analyze business (sales, operations, and services) performance data to present data-driven reports and recommendations that guide the decision-making and actions of the business team, using graphics, visualizations, and other effective means to communicate findings clearly and concisely;
Collect information to find improvement opportunities, including monitoring the impact of training;
Make recommendations on how to improve results based on data analysis and a deep understanding of how our business model, product and processes work;
Measure and monitor Indonesia OKR (objective key results)
Manage multiple requests and prioritize report generation; and
Drive all actions/initiatives that will unlock greater business opportunities.

Requirements

Bachelor's degree in Industrial Engineering, Business Administration, Finance, or Data Analytics
Willing to work on-site in Jakarta;
MUST HAVE strong business acumen with a proven 5+ years professional experience - it's a plus if you are from financial institutions;
MUST HAVE strong project management with a proven 3+ years track record
Analytical thinking and Problem-solving skills to analyze data, identify inefficiencies, and propose data-driven solutions for improvement, and to work with large and complex datasets;
Exceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels in English and Indonesian;
Plus: Advanced knowledge of SQL, Data visualization software (Hex, Power BI, Looker, Tableau), Excel and Google Sheets skills;
Plus: Basic hands-on programming skills, added advantage to have one or more programming languages such as Java, Python, PHP, or similar;
Must be detail-oriented, process-oriented, and comfortable working in a fast-paced environment; and
Startup experience is a plus.

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family
20 days vacation
Phone finance, headphone, home office equipment and wellness perks.
USD$2,000 annual co-working travel benefit
USD$2,000 annual professional development benefit
USD$500 annual wellness 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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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