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 Sr Manager to join our Capital Markets team. The Capital Markets Sr Manager will assist with equity and debt raises, develop and manage banking and debt investor relationships, perform transaction and capital structure analysis, prepare marketing materials, manage rating agency and investor due diligence, negotiate financing transactions, and contribute to high-impact strategic projects.
The ideal candidate must have strong financial analysis and debt structuring experience, be highly motivated, comfortable with ambiguity, capable of taking initiative, and drive results while effectively partnering with various stakeholders across the organization. Experience with consumer finance, structured, and capital markets is strongly preferred.
This role will be based in Mexico City, and is expected to work from the office at least 3 days a week.
Key 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.
Partner with FP&A to understand the company forecast model and its key drivers, translate relevant outputs into investor and financing analyses, and conduct targeted 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.
Qualifications
Bachelor’s degree in Finance, Accounting, Economics, or related field.
Strong knowledge of accounting principles, capital markets, and financial planning
6-8 years experience in capital markets, investment banking, consulting, corporate finance, FP&A or related fields.
Strong financial modeling skills, with the ability to independently build and maintain transaction, capital structure, cash flow waterfall, liquidity, and scenario/sensitivity models.
Experience with structured finance products (ABS, whole loan sales, forward flow, warehouse facilities, HY bonds)
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 and Spanish, 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.
Fluency in Spanish is a requirement
Benefits
100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
Life insurance.
Phone finance, Headphone, home office equipment and wellness perks.
30 days of Christmas bonus.
20 days paid Vacation.
50% Vacation premium.
13% Saving funds.
$2,000 MXN monthly grocery coupons.
$2,000 USD annual Co-working Travel perk.
$2,000 USD annual Professional Development perk.
