The Role
Lead relationships with a portfolio of Tier 1 clients, acting as primary liaison to internal teams. Create and execute tailored sales plans, identify growth opportunities and new channels, drive product/portfolio expansion, and monitor KPIs (underwritings, FPDs, active stores, vintage gross margin, trade investment) to maximize account profitability and retention.
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
The Key Account Lead will be responsible for promoting, building and maintaining strong relationships with key partners by achieving high levels of customer satisfaction and designing strategies aimed at driving account growth and profitability.
Responsibilities
- Build relationships based on trust with a dedicated portfolio of Tier 1, Segment A major clients, ensuring these key accounts consistently grow above category rates.
- Serve as the primary link of communication and strategic alignment between key customers and internal cross-functional teams.
- Develop comprehensive annual, semi-annual, and monthly sales plans tailored to each strategic Tier 1 client.
- Design strategic business plans and implement targeted action plans based on a thorough understanding of customer needs to maximize portfolio profitability.
- Proactively identify and capitalize on new avenues for growth, including emerging market trends, untapped sales channels, and unmet customer needs.
- Drive product and portfolio expansion by championing the introduction of new SKUs and innovative solutions tailored to key account requirements.
- Monitor and drive core key performance indicators (KPIs): underwritings, First Payment Defaults (FPDs), active stores, Vintage Gross Margin, and Trade Investment.
Account Leadership & Relationship Management
Strategic Planning & Sales Execution
Growth & Opportunity Identification
Performance Monitoring & Analytics
Qualifications
- Bachelor's degree in Business, Commercial, Marketing, Finance, or related field.
- Minimum of 3 years of experience in commercial account management preferably in fintech, telecom operator, OEM, Key phone distributors, financial services, or related fields.
- Advanced Excel Knowledge and Google tools.
- Strong customer management skills with a proven track record of successful customer retention and growth.
- Excellent communication, persuasion, and negotiation skills, as well data analysis for strategic decision-making, proactive problem-solving.
- Ability to work independently and collaboratively in a continuous change and the dynamic market environment, delivering quick and effective results and solutions.
Benefits
- 100% Company-funded Health and Dental Insurance for employees and immediate family members
- Life insurance
- Vacations 30 days
- Phone finance, Headphone, home office equipment and wellness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Catered lunches
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, Commercial, Marketing, Finance, or related field
- Minimum of 3 years of experience in commercial account management
- Experience in fintech, telecom operators, OEMs, key phone distributors, financial services, or related fields
- Advanced Excel knowledge and familiarity with Google tools
- Proven customer management skills with track record of retention and growth
- Excellent communication, persuasion, negotiation, and data analysis skills for strategic decision-making
- Ability to work independently and collaboratively in a dynamic, changing market environment
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.
