Business Operations 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 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