Accounting Manager

About PayJoy

PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

The Accounting Manager is responsible for ensuring the accurate and timely financial reporting and compliance of PayJoy's operations in an entity, by serving as the key between the 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.

• Supervise daily transactions, including accounts payable/receivable (provide detailed information by cost center), general ledger and bank reconciliations.
• Maintain records in accordance with BRGAAP and USGAAP accounting standards, including impacts of new or changes to existing standards.
• Work with various outsourcing teams in different finance areas, including accounting, tax, HR, legal, payments, and receivables.
• Interact with key stakeholders outside of accounting, such as Financial Planning & Analysis, Country Manager, Human Resources, and Treasury teams.
• Manage timely accounting close processes, including data requests from related parties and external accountants; review monthly balances, explain fluctuations, and summarize account information.
• Prepare daily cash reports and monthly cash reports by cost center.
• Calculate, review, and report commissions and reimbursements.
• Manage the merchant reconciliation process and assist with communications to resolve outgoing and incoming payment issues.
• Manage month-end and year-end closing, including financial accounting reports and billing.
• Attend and support external audits.
• Implement a process to improve controls and information across the departures

• Bachelor's degree in Accounting, Finance, or a related field; CPA or equivalent certification preferred.
• 3-5 years of experience with outsourcing teams in diverse financial areas, in managing financial records, reporting processes, and collaborating with internal and external stakeholders, expertise in BRGAAP and USGAAP, in a lending institution or in the fintech industry.
• Strong analytical skills, attention to detail and effective communication, reliable in meeting deadlines and applying controls.
• Advanced Microsoft Excel skills (VLOOKUP, pivot tables, etc.).
• Prior experience working with accounting software such as NetSuite; SQL, IFRS 16 - Leases and IFRS 9 - Financial Instruments is a plus.

• Bradesco Health Plan 100% covered by the company for you and your legal dependents;
• SulAmerica Dental Plan 100% covered by the company for you and your legal dependents;
• Life Insurance;
• Meal Allowance of R$50.00 per day via Flash Card;
• Home Office Allowance via Flash Card;
• Annual Budget of $2,000 USD for co-working travel perk;
• Annual Budget of $2,000 USD to invest in your career;
• Monthly Mobility Allowance of R$400 via Flash Card;
• One-time reimbursement for home office equipment and headphones;
• Reimbursement for wellness activities;
• Phone finance incentive.

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.

Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening