Growth Analyst - PayJoy

Execute growth strategies for new and existing retail locations, including market selection, launch planning, and performance tracking.

Implement retention strategies through brand partnerships and increase credit line utilization among these customers.

Identify and prioritize high-potential retail opportunities through data-driven market analysis.

Leverage data-driven insights to analyze store-level performance and customer behavior, identifying growth levers and implementing optimization initiatives

Work closely with risk and credit teams to maintain low non-performing loan (NPL) ratios while preserving a strong, attractive product and financing offer for customers.

Track full retail P&L, identifying drivers of profitability and making recommendations to improve margins, customer lifetime value, and operational efficiency.

Partner with marketing and CRM teams to localize campaigns and drive foot traffic.

Work with key external and internal partners to expand our physical footprint and co-develop new product and service offerings in-store.

Build scalable playbooks and SOPs to support rapid and sustainable retail growth.

Champion continuous improvement and innovation in the retail experience.

Bachelor’s degree Business, Engineering, Marketing or similar.

3+ years of experience in retail strategy, growth, or product, ideally in fast-paced environments such as retail tech, fintech, or startups.

Analytical skills with data-driven approach.

Communication skills for effective collaboration.

Self-driven and results-driven, willing to work in a dynamic, high-change environment.

Strong analytical mindset with the ability to turn insights into action.

Intermediate English proficiency (written and spoken).

Experience working with cross-functional teams and managing complex projects.

Comfortable with ambiguity and energized by building from scratch.

Fluency in retail metrics, customer acquisition, and unit economics.