About Pay Joy Pay Joy is a mission-driven company dedicated to helping a billion people around the world step into the modern financial system for the first time and supporting them on a path to financial success.
Founded in 2015, Pay Joy's "secret sauce" technology turns a smartphone into collateral to jumpstart unbanked consumers into the credit system.
We reached profitability in 2020, reaching 10 million happy customers and over a billion dollars of sales in 2023.
This Role The Capital Markets Manager will directly contribute to the shaping and implementation of the funding strategy needed to support Pay Joy's phone finance and credit products.
This role will work in close collaboration with a number of other individuals across risk, financial products, product, engineering, sales and operations.
Also, the Capital Markets Manager will assist in the negotiation, documentation, and implementation of international credit facilities and manage an ecosystem of lenders and facilities, including the Pay Joy Asset fund, across all of Pay Joy's markets.
Responsibilities Support and contribute to Pay Joy's funding strategy of the existing loan book in Latam and expansion into new markets in Africa and Asia.
Manage the ecosystem of Pay Joy's lenders, including institutional and private investors and assist with day-to-day operations and management of existing facilities.
Assist with/ lead structuring new and managing existing capital market relationships, operations, reporting and compliance requirements for existing facilities.
Evaluate changing business needs and amend facilities as needed.
With respect to PJAF, manage aspects of PJAF operations, fund admin relationship, audit process, investor reporting and relations with minimal supervision; understand PJAF structure and be comfortable making outbound marketing calls.
Collaborate internally with finance, risk and go-to-market teams on funding projections and cost of capital forecasts.
Collaborate with risk teams to analyze portfolio performance.
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.
Prepare marketing materials and other presentations/reports as required to run the business, including for equity raises.
Support investor relations - equity and debt investor engagement, manage data rooms and periodic updates with risk teams.
Requirements 3+ years of capital markets/ finance experience, especially structured finance; investment banking strongly preferred.
Knowledge of consumer lending products and fintech landscape.
Team player who is able to collaborate across groups internally, work on a variety of projects simultaneously and across multiple geographies.
Strong quantitative, analytical and modeling skills, understanding of financial statements and ability to build models from scratch.
Excellent research skills, oral and written communication, and attention to detail.
Fluent in Microsoft Office, SQL skills a plus.
Spanish is a plus Benefits Company-funded Health and Dental Insurance for employees and immediate family members Life insurance 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 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 Pay Joy 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.
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