$300 and a Suitcase to AI-Powered Finance: Mariya Guttoh
Update: 2025-09-21
Description
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
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