$300 and a Suitcase to AI-Powered Finance: Mariya Guttoh

Mariya Guttoh is Director of FP&A and Treasury at PayJoy, a global FinTech company expanding credit access through smartphones to underserved customers in emerging markets. Celebrating 10 years this year , the company has served over 15 million customers and is on track to reach $650 million in revenue and $110 million in profit by the end of 2025.

In this episode Mariya traces her steps from cosmetic marketing in Ukraine to arriving in the US with $300 and working three jobs while earning her MBA to becoming a finance leader.

• My finance journey working three jobs to pay for my MBA
• Becoming an advocate for AI in finance Two finance camps– “excited but clueless” and “cautious but clueless”
• Using AI to automate vendor reporting across 10 countries
• Identifying high impact AI wins (forecasting)
• My ideal magic FP&A solution
• How I turned myself into a self-created extrovert
• Offset in Excel