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 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 Legal & Compliance Analyst is responsible for ensuring regulatory compliance and supporting the business in legal and risk-related decisions daily. We are looking for someone who can quickly understand problems, prioritize what truly matters, and translate legal requirements into practical solutions, operating with autonomy and strong ownership. This role requires going beyond theory — someone who can connect regulation to real business context and contribute directly to business decisions and processes.
Ensure compliance with applicable regulations (e.g., LGPD, Bacen, GDPR), translating legal requirements into practical actions and guiding internal teams.
Support the business in day-to-day legal decisions, providing clear, objective, and actionable analysis.
Draft, review, and negotiate contracts and legal documents, ensuring proper legal protection and alignment with internal policies.
Identify, assess, and mitigate compliance risks through audits, risk assessments, and impact analyses.
Support or lead compliance and data privacy incident response, coordinating actions and ensuring proper stakeholder communication.
Contribute to process improvement and strengthen compliance culture through policies, training, and structural enhancements.
Bachelor’s degree in Law.
Solid experience in Legal, Compliance, or related fields.
Mandatory prior experience in Compliance, with hands-on exposure to regulatory matters.
Solid experience with LGPD and data privacy (implementation, analysis, or governance).
Experience working in dynamic environments with cross-functional teams (product, operations, tech, etc.).
Experience collaborating with multidisciplinary and international teams.
Ability to structure analysis and translate legal requirements into practical business decisions.
Advanced English (professional reading and communication).
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
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 17 million customers as of 2025 while achieving solid profitability for sustainable growth.
