Business Intelligence Lead

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 Responsibilities • Own the BI roadmap for SE countries, defining priorities for dashboards, reporting, and analytical deep-dives in line with company OKRs. • Define and maintain the KPI framework across sales enablement, promoter operations, and merchant operations, with one agreed definition for every metric. • Build and maintain dashboards in the company BI tool that give leaders a daily and weekly view of target vs. actual and flag risks early. • Extract, clean, and reconcile data from multiple sources with SQL so reports are accurate and available for self-service. • Conduct root-cause analyses on missed targets (such as conversion drops, attendance gaps, and onboarding delays). Turn the findings into prioritized recommendations with clear owners and timelines. • Measure the impact of campaigns, incentives, training, and process changes on KPIs. • Build and maintain the core KPI framework, including but not limited to, originations, approval rates, portfolio performance, promoters’ unit economics, and retailer/channel productivity. Ensure consistent metric definitions across markets. • Lead deep dive analysis on all ops team initiatives, translating findings into clear recommendations and following through to implementation. • Design and automate executive dashboards and recurring business reviews (weekly, monthly, and quarterly) for country and regional leadership. • Lead deep-dive analyses on growth, credit risk, and operational performance, translating findings into clear recommendations and following through to implementation. • Partner with cross-functional teams within the country to frame business questions, size opportunities, and measure the impact of initiatives and experiments. • Work with Data Engineering to define data requirements, improve data models and pipelines, and uphold data quality and governance. • Support planning and forecasting cycles with Finance, including budget inputs, target setting, and performance-vs-plan tracking. • Hire, coach, and develop the BI’s team when it expands. Set a high bar for analytical rigor, business acumen, and stakeholder communication. • Competitive Intelligence hub: Monitor market and competitive trends in SEA consumer lending and device financing to deliver insights & synthesize strategy. • Build, manage and improve reporting and tracking of all key success metrics for all ops team, mainly Merchant, Promoters, and Sales Enablement. The role is expected to run weekly meeting cadence with each ops team leader, particularly in running through metrics & data analysis. • Run and track all A/B Testing performed by all ops team & work hand in hand with them. • Prepare materials & data request, and present insights for exec meetings • Build playbooks to record and store all operational excellence assets such as learnings from A/B testing /experiments, dashboards, analytics approach/ lesson; all with the purpose to scale & provide ease of re-use and/or reapplication Requirements • Bachelor’s degree in a quantitative field such as Engineering, Statistics, Mathematics, Economics, Computer Science, Business, Analytics or similar. Equivalent practical experience is considered • 5+ years of experience in business intelligence, analytics,and/or strategy roles, leading BI projects end to end. Experience being the to-go person for data in high-growth startups or companies is preferred. • Expert SQL skills( data extraction, transformation, and analytical reporting) and hands-on experience with a BI tool such as HEX, Looker, Tableau, Power BI, or Metabase, or others. Advanced proficiency in Excel / Google Sheets & Powerpoint/Google Presentation • Hands-on experience building dashboard in through BI tool such as Power BI, Looker, Tableau, Mode, HEX, and others • Track record of building KPI frameworks and executive reporting in a fast-growing company ( i.e: tech, e-commerce, fintech,etc) • Strong analytical, problem-solving skills, and business acumen, with proven ability to turn ambiguous problems into structured analysis and actionable recommendations. • Strong attention to detail, discipline to validate & reconcile numbers before sharing, and strong project & stakeholder management skills, with a record of closing the loop on cross-functional actions • Excellent verbal and written communication and storytelling skills with senior stakeholders, in English & Tagalog or Bahasa Indonesia • Willingness to work on site and travel, particularly SEA countries. • Solution-oriented and data-driven, with the ability to work through large, complex datasets and propose practical fixes. • Strong organizational and prioritization strategy across multiple concurrent requests. • Adaptable in a fast-paced, high-change environment, and quick to learn new processes and tools. • Clear communicator who can influence stakeholders at every level, from field teams to senior leaders. Preferred (not required) • Experience in the following is a plus,: consumer lending, BNPL, payments, or credit risk analytics, such as portfolio performance, vintage analysis, or collections. • Experience in analyzing field force initiative program, training impact & effectiveness, merchant onboarding, including KYB/KYC, along wi