The Role
About PayJoy
PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Director of Business Development is responsible for leading our strategic expansion efforts by securing and strengthening partnerships with top telecom operators and large national retailers for a region with several countries.
Responsibilities
- Develop and execute a business development strategy targeting large retailers and telecom operators.
- Build and maintain high-level relationships with C-level executives at companies such as Claro, Movistar, and top national retailers.
- Lead contract negotiations and strategic agreements, ensuring long-term and mutually beneficial partnerships.
- Collaborate with internal stakeholders (finance, risk, and product) to design tailored credit solutions for our partners.
- Identify and analyze new market opportunities, making data-driven decisions to support expansion.
- Monitor industry trends and competitor activities, adjusting strategies accordingly.
Qualifications
- Bachelor's degree in business, marketing, or a related field.5 + years of experience working with large retailers or telecom operators (Claro, Movistar, etc.).
- Background in consulting, banking (corporate finance, investment banking, or credit analysis) or High Level commercial roles in fintech, consumer lending, point-of-sale financing or fast growing startup.
- Proven ability to engage and secure meetings with C-level executives. Strong negotiation skills with a track record of closing high-value partnerships.
- Excellent strategic thinking, communication, and leadership abilities.
- Willingness to travel across several countries in the región.
- Strong analytical and financial modeling skills.
- Desirable previous exposure to LATAM markets in a business development role.
Benefits
- 100% Company-funded Health and Life Insurance for employees and immediate family members
- Indefinite-term contract
- 20 days of vacations
- Phone finance, Headphone, home office equipment and fitness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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
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The Company
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
