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, owning the day-to-day management and strategic development of PayJoy Indonesia's most important commercial initiatives.

This role blends strategy, business development, and hands-on monitoring, driving marketing and sales performance, maintaining store functionality, and partnering closely with local smartphone OEMs to deliver commercial results.

Responsibilities

Formulate and lead monitoring of high-level expansion plans and commercial prospects to optimize results across all project workstreams.
Establish core success benchmarks and KPIs by converting industry trends and analytics into tangible commercial outcomes.
Orchestrate full-lifecycle flagship projects through rigorous coordination, delivery, data review, and consistent reporting to leadership.
Govern diverse internal and external partnerships while addressing potential threats to guarantee mission-critical goals are achieved as scheduled.
Present performance reviews and progress updates to the broader team, including regional and global stakeholders.

Requirements

Bachelor's degree in business, marketing, or a related field from a reputable university (UI, ITB, UGM, or overseas).
5+ years of experience growing and retaining business while leading a team to consistently exceed revenue targets.
Hands-on experience building data and analytical tools (e.g., Tableau) to drive decision-making.
Proven experience working with major smartphone OEMs or smartphone retailers in Indonesia is strongly preferred.
Demonstrated previous experience in leading and managing an effective sales team, fostering a high-performance culture, and driving team engagement.
High proficiency in analyzing data to inform decision-making processes, identify trends, and drive strategic initiative.
Customer-centric approach with a track record of building and maintaining strong client relationships.

Benefits

100% Company Funded : Private Health Insurance for employee and immediate family
20 days vacation
Phone finance, Headphone, home office equipment and 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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Business Analyst & Development

Strategy Analyst Lead Business Development