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Merchant Operations Analyst Job Opening In Lima – Now Hiring PayJoy


Job description

About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success.

We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry.

As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

The Merchant Operations Analyst is responsible for overseeing payments to partners and operators, coordinating with Treasury and Accounting to ensure payment reconciliation, accuracy, and timeliness, as well as risk, and also propose continuous improvements to financial processes.

Responsibilities

  • Analyze and process partner payments related to financing transactions conducted across multiple retailers and telcos
  • Analyze and process payments related to financing transactions conducted across multiple retailers and telcos
  • Perform monthly calculations of commissions payable to operators, guarantors, and other relevant stakeholders, managing commission payment and ensure efficient financial performance
  • Lead coordination efforts with the Treasury to ensure timely and accurate execution of partner payments
  • Collaborate with the Accounting team to perform weekly reconciliations, ensuring accurate account balancing and reporting
  • Manage store-related requests regarding partner payments, including bank account updates, payment details, discounts, and other inquiries
  • Support continuous improvement initiatives driven to promote operational excellence and process optimization
  • Manage the operations of the local channels (Kiosco, In-store payment , etc.), contributing to the strategic expansion of the channel
  • Ensurance operational efficiency and alignment with internal controls, implementing fraud prevention and control measures

Requirements

  • Bachelor's degree in industrial engineering, Finance, administration, or a related field
  • 2+ years of experience in payments and data analysis across sectors such as banking, telecommunications, retail, and financial services
  • Outstanding organization, detailed oriented, problem-solving orientation, analytical and structured communication skills
  • Ability to engage and grow commercial partners, present and train teams and implement effective processes
  • Strong technology skills (MS Office, CRMs, SQL, Google Suite or Office, especially Excel, etc.), handling large volumes of databases, as well as elaborating financial reports
  • Ability to analytical thinking, interpret and use data to guide strategic and operational decisions

Benefits

  • *Local benefits will depend of the country of hiring*
  • 100% Company-funded Health and Dental insurance for employees and immediate family members
  • Phone finance, Headphone, home office equipment and fitness perks
  • $2,000 USD annual Co-working Travel perk
  • $2,000 USD annual Professional Development perk

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

Required Skill Profession

Other General


  • Job Details

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Unlock Your Merchant Operations Potential: Insight & Career Growth Guide


Real-time Merchant Operations Jobs Trends (Graphical Representation)

Explore profound insights with Expertini's real-time, in-depth analysis, showcased through the graph here. Uncover the dynamic job market trends for Merchant Operations in Lima, Peru, highlighting market share and opportunities for professionals in Merchant Operations roles.

116 Jobs in Peru
116
51 Jobs in Lima
51
Download Merchant Operations Jobs Trends in Lima and Peru

Are You Looking for Merchant Operations Analyst Job?

Great news! is currently hiring and seeking a Merchant Operations Analyst to join their team. Feel free to download the job details.

Wait no longer! Are you also interested in exploring similar jobs? Search now: .

The Work Culture

An organization's rules and standards set how people should be treated in the office and how different situations should be handled. The work culture at PayJoy adheres to the cultural norms as outlined by Expertini.

The fundamental ethical values are:

1. Independence

2. Loyalty

3. Impartiapty

4. Integrity

5. Accountabipty

6. Respect for human rights

7. Obeying Peru laws and regulations

What Is the Average Salary Range for Merchant Operations Analyst Positions?

The average salary range for a varies, but the pay scale is rated "Standard" in Lima. Salary levels may vary depending on your industry, experience, and skills. It's essential to research and negotiate effectively. We advise reading the full job specification before proceeding with the application to understand the salary package.

What Are the Key Qualifications for Merchant Operations Analyst?

Key qualifications for Merchant Operations Analyst typically include Other General and a list of qualifications and expertise as mentioned in the job specification. The generic skills are mostly outlined by the . Be sure to check the specific job listing for detailed requirements and qualifications.

How Can I Improve My Chances of Getting Hired for Merchant Operations Analyst?

To improve your chances of getting hired for Merchant Operations Analyst, consider enhancing your skills. Check your CV/Résumé Score with our free Tool. We have an in-built Resume Scoring tool that gives you the matching score for each job based on your CV/Résumé once it is uploaded. This can help you align your CV/Résumé according to the job requirements and enhance your skills if needed.

Interview Tips for Merchant Operations Analyst Job Success

PayJoy interview tips for Merchant Operations Analyst

Here are some tips to help you prepare for and ace your Merchant Operations Analyst job interview:

Before the Interview:

Research: Learn about the PayJoy's mission, values, products, and the specific job requirements and get further information about

Other Openings

Practice: Prepare answers to common interview questions and rehearse using the STAR method (Situation, Task, Action, Result) to showcase your skills and experiences.

Dress Professionally: Choose attire appropriate for the company culture.

Prepare Questions: Show your interest by having thoughtful questions for the interviewer.

Plan Your Commute: Allow ample time to arrive on time and avoid feeling rushed.

During the Interview:

Be Punctual: Arrive on time to demonstrate professionalism and respect.

Make a Great First Impression: Greet the interviewer with a handshake, smile, and eye contact.

Confidence and Enthusiasm: Project a positive attitude and show your genuine interest in the opportunity.

Answer Thoughtfully: Listen carefully, take a moment to formulate clear and concise responses. Highlight relevant skills and experiences using the STAR method.

Ask Prepared Questions: Demonstrate curiosity and engagement with the role and company.

Follow Up: Send a thank-you email to the interviewer within 24 hours.

Additional Tips:

Be Yourself: Let your personality shine through while maintaining professionalism.

Be Honest: Don't exaggerate your skills or experience.

Be Positive: Focus on your strengths and accomplishments.

Body Language: Maintain good posture, avoid fidgeting, and make eye contact.

Turn Off Phone: Avoid distractions during the interview.

Final Thought:

To prepare for your Merchant Operations Analyst interview at PayJoy, research the company, understand the job requirements, and practice common interview questions.

Highlight your leadership skills, achievements, and strategic thinking abilities. Be prepared to discuss your experience with HR, including your approach to meeting targets as a team player. Additionally, review the PayJoy's products or services and be prepared to discuss how you can contribute to their success.

By following these tips, you can increase your chances of making a positive impression and landing the job!

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