Business Operations Analyst

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.

Additional Information

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 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

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