The Role
Lead commercial expansion and key account partnerships through market analysis, business development, contract negotiation, and profitability-focused strategy. Manage relationships with major clients, identify high-value opportunities, collaborate with sales and marketing on campaigns, negotiate complex agreements, and present recommendations to executives. The role also includes managing direct reports, coordinating cross-functional communication, and supporting phone finance growth in a hybrid environment with regular travel.
Summary Generated by Built In
About PayJoy
PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
We are looking for an experienced Business Development Senior Manager to drive our commercial expansion and elevate key account partnerships.
This role is ideal for a strategic leader skilled in market analysis, complex contract negotiations, and identifying high-margin revenue streams. You will work closely with executive leadership, sales, and marketing teams to position our portfolio for maximum market penetration and long-term value.
Responsibilities
- Effectively manage relationships with key accounts ensuring customer satisfaction and loyalty.
- Identifying and developing new business opportunities with existing and potential clients that have high profitability potential, utilizing market analysis to create strategies that maximize profitability and differentiate our products and services.
- Continuously analyze the market and sector trends to adjust business strategies to maximize opportunities of penetration in a highly competitive market and profitability
- Collaborate closely with the marketing and sales teams to develop effective campaigns and promotional materials tailored to market needs.
- Negotiate agreements and contracts that ensure mutual long-term benefits for all parties involved.
- Maintaining clear and persuasive communication facilitates presenting reports, outcomes, and proposals to management and other key stakeholders.
Qualifications
- Bachelor's degree in business, marketing, or a related field.
- Solid experience managing key accounts in the finance, telecommunications, and retail sectors, cultivating strong relationships and understanding client needs to deliver high-value solutions.
- Experience in signing large corporate contracts with long sales cycles, managing a team of direct reports to hit your monthly sales targets (large national retailers).
- Previous experience negotiating with C-Level professionals
- Proven experience in coordinating communication across multiple teams inside the company
- Comfortable managing CRM platforms at the user level
- Results-driven, and enjoy a high-change environment that is focused on expanding phone finance services.
- Strong analytical, organization, communication, and interpersonal skills
- Competence to identify problems, propose innovative and effective solutions, adapt quickly to market changes and make informed decisions under pressure.
- Comfortable communicating in English.
- Availability for a hybrid work model and 4-day trip per month (estimate).
Benefits
- 100% company-funded health and dental insurance for employees and immediate family members
- Life Insurance
- Meal voucher
- R$400,00 Commuting benefit
- R$180,00 for home office assistance
- Incentive for the phone finance product
- Budget for noise-canceling headphones
- Budget for home office equipment
- Annual budget for wellness 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
Skills Required
- Bachelor's degree in business, marketing, or a related field
- Experience managing key accounts in the finance, telecommunications, and retail sectors
- Experience cultivating strong client relationships and delivering high-value solutions
- Experience signing large corporate contracts with long sales cycles
- Experience managing direct reports and meeting monthly sales targets
- Experience negotiating with C-level professionals
- Experience coordinating communication across multiple internal teams
- Comfort managing CRM platforms at the user level
- Strong analytical, organizational, communication, and interpersonal skills
- Ability to identify problems, propose effective solutions, adapt to market changes, and make decisions under pressure
- Comfort communicating in English
- Availability for a hybrid work model
- Availability for approximately four days of travel per month
PayJoy Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about PayJoy and has not been reviewed or approved by PayJoy.
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Fair & Transparent Compensation — Pay is considered market‑aligned for senior U.S. technical roles, and public salary bands help candidates benchmark and align expectations. Feedback suggests this transparency supports confidence that offers are competitive for role and location.
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Healthcare Strength — Company‑paid basic medical, dental, vision, life, and disability coverage is emphasized as a standout element versus many startups. Feedback suggests this reduces out‑of‑pocket burden and strengthens the core benefits foundation.
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Parental & Family Support — Paid parental leave and flexible hours are highlighted alongside dedicated time off. Feedback suggests these family‑oriented policies enhance the perceived completeness of the package.
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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.
