Senior Analytics Engineer
This role focuses on designing scalable data infrastructure and advanced analytics pipelines to support PayJoy’s mission-driven credit models, leveraging machine learning and fraud detection to serve underserved markets. The engineer will optimize real-time decisioning systems while collaborating with cross-functional teams to enhance financial inclusion through data-driven insights.
Skills required
About this role
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 Senior Analytics Engineer is responsible for compounding PayJoy's rate of learning by owning the governance, definitions, and measurement foundations that make our data trustworthy by default and our decisions measurable by design. You will own the platform primitives that determine whether PayJoy's data can be trusted and acted on: governance and access model, semantic definitions, and measurement methodology so that every team downstream of you moves faster on numbers they do not have to re-derive. The right candidate will exhibit ownership of the process from end to end; you are not only measuring what they are told by the business but working collaboratively to drive rapid scale.
Responsibilities
Own PayJoy's Unity Catalog governance model e.g. catalog and schema architecture, tagging and metadata standards, lineage, grants, and PII controls, so that data access is provable to an auditor and self-evident to an analyst rather than tribal knowledge held by a few people
Define and operate the standards that make data trustworthy by default: a tiered certification standard strong enough to carry regulated reporting, service-level objectives on the highest-traffic data products, and strong detection quality on alerts, while retiring the duplicate and abandoned models that dilute trust
Own the governed semantic layer and the transformation development loop (conformed dimensions, canonical entity keys, and single definitions for every cross-functionally consumed measure) so that two teams asking the same question get the same answer, AI-assisted analysis inherits sound semantics, and a new contributor ships a correct model in their first week
Establish how experimentation works at PayJoy, owning the measurement substrate (e.g. experiment metric definitions, exposure tables, guardrail metrics, readout correctness) while advising on tooling selection, statistical approach, and instrumentation architecture with Product Engineering.
Deliver scoped enablement projects whose primary output is a reusable pattern, which can be used as a standard others build against.
Requirements
Bachelor’s in a related field or equivalent; Master’s a plus
10+ years of experience
Deep data governance expertise on a modern lakehouse e.g. Unity Catalog or equivalent at multi-catalog scale: schema architecture, metadata and tagging strategy, lineage, grants, row- and column-level security — You have designed a governance model, not only worked inside one someone else designed
Expert-level data modeling expertise, with defensible positions on test strategy, incremental model semantics, and when a model should not exist
Track record of driving adoption — a standard, tool, or platform that teams outside your reporting line changed their behaviour to use
Strong communicator — able to explain complex analytical concepts to technical and non-technical audiences.
Comfortable working in ambiguous, high-impact environments with broad scope and autonomy.
Benefits
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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