Accounting Manager

About PayJoy

PayJoy 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 credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro‑entrepreneurs, and provide safety 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 Accounting Manager is responsible to ensure the accurate and timely financial reporting and compliance of PayJoy's operations in an entity, by serving as the key between external accounting firm and internal stakeholders, overseeing the integration of local financial data and the company's global reporting system, ensuring alignment with both BRGAAP and USGAAP standards.

Responsibilities

• Financial Statement Accuracy & Reporting :
• Oversee the preparation and review of monthly, quarterly, and annual financial statements for the entity, ensuring accuracy, completeness, and compliance with US GAAP / Local GAAP - IFRS and company policies.
• Manage the month‑end, quarter‑end, and year‑end closing processes, ensuring adherence to strict deadlines.
• Prepare and submit timely financial reporting packages for corporate consolidation and local statutory requirements.
• Analyze financial results, providing insightful commentary on variances, trends, and performance against budget / forecast.
• Accounting Operations :
• Manage and oversee all core accounting functions, including General Ledger (GL), Accounts Payable (AP), Accounts Receivable (AR), Fixed Assets, and potentially Payroll interfaces.
• Ensure all financial transactions are recorded accurately, timely, and in compliance with relevant standards.
• Oversee the preparation and review of balance sheet reconciliations, ensuring timely resolution of discrepancies.
• Internal Controls & Compliance :
• Develop, implement, and maintain a strong internal control environment to safeguard company assets and ensure the integrity of financial information.
• Ensure strict compliance with local tax regulations (VAT, corporate income tax, withholding taxes, etc.), statutory reporting requirements, and other relevant legislation.
• Act as the primary point of contact for internal and external auditors, managing audit processes efficiently and ensuring timely resolution of audit findings.
• Stay updated on changes in local accounting standards, tax laws, and regulations, implementing necessary changes to policies and procedures.
• Process Improvement :
• Identify and implement opportunities to improve the efficiency and effectiveness of accounting processes, systems and controls.
• Collaborate with other departments to streamline workflows impacting financial data.
• Stakeholder Management & Leadership :
• Liaise effectively with corporate finance / accounting teams, local management, external auditors, tax advisors, banks, and regulatory bodies.
• Support local management with financial insights and analysis for decision‑making.

Qualifications

Benefits

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

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