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 Tools Analyst will own the day-to-day operation of the collections technology stack. Customer.io, data ingestion pipelines, EDC integrations, and AI-vendor pilots, turning a stack we currently only maintain into an active recovery and cost-efficiency lever. This is a global role maintaining the strategy across the 8 countries PayJoy operates in. This role targets a will help lift in-country campaign performance through segmentation, monitoring campaign performance and consolidating to the best-performing AI vendors, while reducing manual overhead and cost-per-contact across all markets.