Collections Tools Analyst

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 We are looking for a Collections Tools Analyst to own the implementation, configuration, and operational management of the collections tech stack. This role is the hands-on executor of the tools strategy — responsible for ensuring that the right tools are live, correctly configured, and performing as intended. The ideal candidate will manage Customer.io implementation and maintenance, own workflow automation, support agent assignment logic, and pilot new tools before broader rollout. This position is critical in bridging strategy and operations: translating collection strategies into working tool configurations that drive recovery outcomes. Our primary tools include Customer.io, SQL, and Python.