In A Christmas Carol, what business is Joe in and who is the woman to whom he is speaking?

Old Joe is a pawnbroker,
someone who buys used
items cheaply and then sells them at a higher price for a profit. He
speaks
to the charwoman, a woman who is employed to clean houses and office spaces, as well
as
the laundress (named Mrs. Dilber) and the undertaker's assistant. These
individuals enter right
around the same time, each carrying a heavy bundle,
and "they all three burst into a
laugh" when they realize that they each had
the same idea to steal from Scrooge and then
sell his belongings. The
charwoman and laundress likely worked for Scrooge and the undertaker's
man
probably assisted with Scrooge's body after his death. They all easily justify
their
actions; to this end, the charwoman says of his possessions

If he wanted to keep 'em after he was dead, a
wicked old screw, . . . why wasn't he
natural in his lifetime? If he had
been, he'd have had somebody to look after him when he was
struck with Death,
instead of lying gasping out his last there, alone by himself.

They feel that Scrooge basically compelled them to steal
from him
in death because he was so stingy and mean during his life. He had
no one to sit with his body,
to protect him from such thieves, because there
was none who loved him enough to do so; he
pushed everyone away. Because he
was not "natural" during his life, he died all alone,
vulnerable to thieves
and to people like old Joe, the pawnbroker, who could profit from
Scrooge's
death.