The Role
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 professional will be responsible for nurturing and expanding the key partner relationships ensuring the highest level of customer satisfaction; leading a dedicated team to ensure we grow these accounts with high quality, profitable sales and designing; implementing, and managing these accounts marketing and channel requirements ensuring maximum exposure for growth within the channels.
Responsibilities
- Develop and execute account plans that drive profitable growth for a group of accounts. Identify opportunities for upselling, cross-selling, and expanding our product or service offerings to meet the partners’ evolving needs.
- Establish and maintain strong, trusting relationships with key stakeholders to escalate and resolve any incidences to keep the sales process moving forward, ensuring their satisfaction and act as the primary point of contact.
- Lead a team of direct reports and cross-functional teams. Coordinate efforts to ensure all teams work cohesively to meet account goals, manage deliverables, and exceed business expectations.
- Utilize data and analytics to assess account performance, track KPIs, and identify areas for improvement. Develop and implement data-driven strategies to optimize account profitability.
- Ensure clear and effective communication between the partner, internal teams, and stakeholders. Regularly report on account performance, share insights, and align strategies to exceed growth and profitability goals.
- Oversee contract negotiations, renewals, and amendments to ensure favorable terms for both the partner and PayJoy. Ensure compliance with our internal processes of setup, fraud controls, reconciliation, invoicing, etc.
Qualifications
- 5 + years of experience with account management/trade marketing with carriers, retailers, and distributors with a strong understanding of finance and technology.
- Bachelor's degree in business, marketing, or a related field.
- Successful track record in key account management and building and managing an effective sales team.
- Action-oriented and energetic with ability to thrive in a fast-paced environment.
- Excellent communication, persuasion, and negotiation skills.
- Proficiency in conflict resolution and proactive problem-solving.
- High proficiency in analyzing data to inform decision-making processes, identify trends, and drive strategic initiative.
Benefits
- Local benefits depending on the country of hire
- Company-funded health insurance for employee and immediate family
- Company-funded employee life and disability insurance
- Paid vacation days, unlimited sick leave
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Phone finance, headphone benefit, home office equipment allowance and wellness perks
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
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.
PayJoy Insights
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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.
