Automation & AI 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 AI and Automation Analyst is responsible for designing, building, and deploying AI-powered solutions and automations that streamline processes, reduce manual work, and unlock new capabilities across PayJoy. Acting as the bridge between business needs and applied AI/automation technology, this role identifies opportunities, develops and integrates models, agents, and workflow automations, and ensures they run reliably and responsibly in production. Ultimately, the engineer turns repetitive tasks and complex problems into scalable, intelligent solutions that improve efficiency, decision-making, and customer experience.

Responsibilities

• Identify, design, and build AI/ML and automation solutions (e.g., LLM-based applications, agents, RPA, and workflow automations) that address business needs and reduce manual effort.
• Develop, integrate, and deploy models and automation workflows into production, connecting them with existing systems, data sources, and APIs.
• Build and maintain prompt engineering, retrieval (RAG), and evaluation pipelines to ensure the quality, accuracy, and reliability of AI outputs.
• Monitor, test, and improve deployed solutions tracking performance, cost, latency, and accuracy iterating based on feedback and metrics.
• Partner with business and technical stakeholders to gather requirements, prioritize use cases, document solutions, and enable teams to adopt them.
• Apply responsible-AI, security, and compliance best practices (data privacy, bias mitigation, access controls, PII protection), coordinating with Security/IT and Data as needed.

Qualifications The following requirements support successful performance in the role. Attributes that could be considered discriminatory are intentionally avoided.

• Software / tools: Proficiency in Python; experience with AI/ML frameworks and LLM APIs (e.g., OpenAI, Anthropic), plus automation/orchestration tools (e.g., n8n, Make/Zapier, Airflow) and workflow/RPA platforms. Familiarity with a major cloud (GCP/AWS/Azure), APIs/webhooks, and version control (Git).
• Specific knowledge: Applied machine learning and generative-AI concepts (prompting, RAG, embeddings, fine-tuning), agent frameworks, integration patterns, and building and monitoring solutions in production. Experience in fintech or high-volume environments is valued.
• Expected results: Reliable, well-documented AI and automation solutions in production that measurably reduce manual work, improve process efficiency, and deliver accurate, trustworthy outputs.
• Skills: Strong analytical and problem-solving skills, curiosity and fast learning in a rapidly evolving field, attention to detail, clear communication of technical concepts, and collaboration across business and technical teams.
• Desirable (not essential): Experience with vector databases, MLOps/LLMOps, and data engineering or integrations; the Zoho ecosystem or similar platforms; intermediate/advanced English (Portuguese a plus); and prior experience in a similar AI / Automation Engineer role.

Benefits Benefits may vary by country

• 100% Company Funded: Private Health Insurance for employee and immediate family
• 20 days vacation, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone Finance, headphone benefit, home office equipment allowance and wellness perks

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