Collections Tools Analyst

Acerca de PayJoy   PayJoy, una Corporación de Beneficio Público, es una empresa de crédito con una misión clara: ayudar a clientes desatendidos en mercados emergentes a alcanzar la estabilidad y el éxito financiero. Nuestra tecnología patentada de crédito garantizado ofrece una vía de acceso para que nuevos clientes ingresen al sistema crediticio. A través del financiamiento en punto de venta y y las ofertas de tarjetas de PayJoy, los clientes obtienen acceso a una vida moderna y de calidad. El crédito de PayJoy también les permite aprovechar oportunidades como microempresarios y actuar como una forma de seguro. Al aprovechar tecnologías avanzadas como el aprendizaje automático, la ciencia de datos y la inteligencia artificial para la prevención del fraude, hemos prestado servicio a más de 18 millones de clientes hasta 2025, logrando una sólida rentabilidad que impulsa un crecimiento sostenible.     Acerca del rol You'll own the technology behind how PayJoy reaches customers in collections, and turn it from something we maintain into something that drives results. That stack includes Customer.io, our data pipelines, external data (EDC) integrations and a growing set of AI vendors. Your work will be visible and measurable. Better segmentation, smarter automation and clear vendor testing will lift recovery in every market while cutting manual work and cost per contact. This is a hands-on role for someone who likes building, testing and seeing their changes move real numbers. Key Responsibilities

• Run Customer.io for collections. Build and monitor workflows, messaging sequences and treatment triggers. Fix configuration issues, data mismatches and workflow failures so campaigns keep performing in every market.
• Automate what's still manual. Design treatment triggers, escalation logic and contact-sequencing rules. Spot manual processes that can be automated, and document every setup so the team can rely on it.
• Keep the data flowing. Build and maintain SQL/Python pipelines that feed customer and account data into Customer.io. Watch data quality and fix failures before they hit campaigns, working with our Data Analyst and Engineering.
• Connect external data. Set up and maintain EDC and third-party data integrations so new sources are validated and ready to use. Keep integration workflows and data dictionaries up to date.
• Test and scale AI tools. Pilot new collections tools such as conversational AI and smart contact prioritization. Measure each vendor against a control group on recovery, cost and ROI, then double down on what works.

Qualifications

We're hiring for skills and potential. If you meet most of these points, we'd like to hear from you.

1–2 years of experience in a data, CRM, marketing-automation or operations role

Hands-on use of Customer.io or a similar platform (Braze, HubSpot, Salesforce Marketing Cloud, Iterable or similar)

Working SQL: you can write queries to pull, join and check data on your own

Experience with workflow-automation tools

Understanding of A/B tests or treatment-vs-control experiments and how to read their results

Care for data quality: you notice when numbers don't add up and dig in

Comfort learning and setting up new tools with little supervision

Clear writing and the ability to explain technical topics to non-technical teams

Advanced English and a bachelor's degree, or equivalent practical experience

Bonus points

None of these are required. We'll help you learn them.

Python for data pipelines or scripting

API integrations with external data sources or third-party providers

Collections or credit operations experience, especially across LatAm, South Africa or the Philippines (treatment strategies, days-past-due segmentation, agency assignment)

Databricks, Snowflake, Infobip or similar messaging gateways

Customer data platform (CDP) concepts and multi-channel contact strategy

Evaluating AI/ML vendors

Spanish, Portuguese or another language spoken in our markets

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

Catered lunches

Principios de PayJoy   En PayJoy estamos orgullosos de ser un empleador que promueve la igualdad de oportunidades. Damos la bienvenida y alentamos la inclusión de personas de todos los orígenes. No discriminamos por raza, religión, color, origen nacional, género (incluido el embarazo, parto o condiciones médicas relacionadas), orientación sexual, identidad de género, expresión de género, edad, estatus como veterano protegido, condición de discapacidad o cualquier otra característica legalmente protegida.