Mariya Guttoh
Strategic Finance Leader | Global FP&A Transformation | FinTech | AI/ML in Forecasting | LATAM + US | Certified Corporate FP&A Professional (FPAC)
- Role
- Director of Fp & a & Treasury at PayJoy
- Location
- Livermore, CA, US
- LinkedIn followers
- 500 followers
Experience
Director of Fp & a & Treasury
Nov 2021 — Present · San Francisco, CA, US
Lead the evolution of the company’s global FP & A and Treasury functions across emerging markets including LATAM, Africa, and Southeast Asia, supporting a multi-product, multi-currency fintech lending operation: • Transformed the forecasting function by implementing, enabling automated, multi-scenario planning across 8 countries. • Elevated forecast accuracy and transparency through driver-based models that aligned origination, credit performance, and funding needs with business planning. • Developed cost allocation methodologies by product and market, providing leadership with deeper P&L visibility for strategic decisions. • Acted as a core finance partner to Product, Credit, and Engineering teams to support pricing, unit economics, and cross-functional scaling initiatives: Led the transformation of FP & A and treasury across emerging markets by implementing scalable planning systems (PBCS, Kyriba) and delivering real-time insights that shaped product-level funding and strategic growth.
Education
Government Academy of Statistics, Accounting and Audit
Bachelors
1999 — 2003
Mortgage Bankers Association
Certified Commercial Mortgage Servicer
2012 — 2012
The Wharton School
Certificate
2022 — 2022
AFP
Certified Corporate Financial Planning & Analysis Porfessional
2014 — 2014
The University of Texas at Austin
Postgraduate Degree
2024 — 2024
Government Academy of Statistics, Accounting and Audit
Master's degree
2003 — 2005
University of South Florida - College of Business Administration
MBA
2009 — 2011
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