The Role
Leads PayJoy’s national offline expansion and commercial strategy, including site selection, market research, lease negotiations, store openings, merchandising, logistics, staff training, sales execution, and P&L ownership. Builds and manages high-performing sales teams, develops SOPs, governs partner and vendor relationships, coordinates cross-functional initiatives, mitigates risks, and reports performance to senior leadership.
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
Join PayJoy and help bring financial inclusion to the next billion people worldwide. You'll work alongside a team of high performers drawn from top MBA schools and ex-MBB backgrounds.
The role oversees the day-to-day planning, execution, and strategic development of PayJoy's most important offline expansion projects across the country—including managing project scope, timelines, and deliverables; coordinating stakeholders across all levels of our partners' organization structure; driving cross-functional execution of marketing efforts; and steering sales initiatives to hit project milestones and targets.
The role oversees the day-to-day planning, execution, and strategic development of PayJoy's most important offline expansion projects across the country—including managing project scope, timelines, and deliverables; coordinating stakeholders across all levels of our partners' organization structure; driving cross-functional execution of marketing efforts; and steering sales initiatives to hit project milestones and targets.
Responsibilities
- Own the end-to-end commercial strategy for national expansion, setting growth plans, priorities, and P&L outcomes across all workstreams.
- Drive new store expansion end to end—site selection and market research, lease negotiation, new store openings (design, activation, merchandising, logistics), and staff training for smooth handoff to operations.
- Lead, coach, and develop a high-performing team to consistently exceed commercial targets through SOP creation and workflow improvement.
- Build and govern strategic partner/vendor relationships nationally, mitigating risks and representing business performance to regional and global leadership.
- Lead flagship initiatives from strategy through delivery, directing cross-functional teams and owning the reporting narrative to senior leadership.
Requirements
- Bachelor's degree in business, marketing, or a related field from a reputable university (UI, ITB, UGM, or overseas).
- 8+ years of experience in business development and sales operations while leading a team to consistently exceed revenue targets.
- Proven experience in retail/offline store expansion—site selection, new store openings, and scaling physical footprint across multiple locations.
- Demonstrated previous experience in leading and managing an effective sales team, fostering a high-performance culture, and driving team engagement.
- Hyper-local thinking, able to tailor GTM strategy into local market trends.
- Excellent communication and negotiation abilities.
- Exceptional ability to handle pressure from internal and external stakeholders while maintaining a positive and solution-oriented attitude.
Benefits
- 100% Company Funded : Private Health Insurance for employee and immediate family
- 20 days vacation
- Phone finance, headphone, home office equipment and wellness perks.
- USD$2,000 annual co-working travel benefit
- USD$2,000 annual professional development benefit
- USD$500 annual wellness benefit
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 from a reputable university.
- 8+ years of experience in business development and sales operations, including leading teams to exceed revenue targets.
- Experience in retail or offline store expansion, including site selection, new store openings, and scaling physical locations.
- Experience leading and managing an effective sales team and fostering a high-performance culture.
- Ability to tailor go-to-market strategies to hyper-local market trends.
- Excellent communication and negotiation abilities.
- Ability to handle pressure from internal and external stakeholders while maintaining a positive, solution-oriented attitude.
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.
