About the role
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're looking for a curious, people-first Retail Insights Analyst to be our eyes and ears in the field across the Philippines. In this role, you'll spend the majority of your time visiting retail stores, building genuine relationships with Clerks, Owners, and Admins, and translating what you observe into insights that directly shape how PayJoy operates and grows. You'll work cross-functionally with Merchant Ops, Product, Sales, and GTM teams — bringing the voice of our customers and retail partners into decisions that matter. This is a role for someone who loves being out in the field as much as they love synthesizing what they find into clear, actionable stories. \n Responsibilities Conduct in-person interviews and store visits to surface opportunities and issues before they become visible in more widely available data Surface early signals of shifting perceptions, needs, and behaviors among Clerks and Retail Partners, and turn those findings into clear implications for Sales and Product teams. Gather competitive intelligence through mystery shopping and ongoing landscape tracking Produce reports that synthesize field insights with clear recommended actions and business impact Develop a deep, nuanced understanding of the retail environments where PayJoy operates across your region Support ad-hoc research requests as needed Requirements Bachelor's degree in any field 1–2 years of experience in research, marketing, go-to-market, or a related discipline Fluency in English and Tagalog Strong interpersonal skills — you can make anyone feel comfortable opening up in conversation Comfortable working autonomously and hitting productivity targets (store visits, interviews per week) A proactive, adaptable mindset — you thrive in fast-moving environments with shifting priorities Ability to influence cross-functional partners including Sales, Product, and Merchant Ops through clear communication and well-grounded insights Benefits 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 Catered Lunch \n 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
