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 commercial 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 and drive the end-to-end commercial strategy for national expansion, setting the direction for high-level growth plans and commercial priorities across all project workstreams and P&L outcomes.
- Define the success framework for the business—establishing the core benchmarks and KPIs that translate market and industry trends into measurable commercial results and revenue growth.
- Lead full-lifecycle flagship initiatives from strategy through delivery, directing cross-functional teams, governing data and performance review, and owning the reporting narrative to senior leadership.
- Lead, coach, and develop a high-performing team, setting clear goals and building the capability needed to consistently exceed commercial targets.
- Build, govern, and grow the most strategic internal and external relationships nationally—managing a portfolio of partners/vendors—while anticipating and mitigating risks to safeguard mission-critical goals.
- Represent the business and its performance to regional and global leadership, influencing senior stakeholders and shaping strategic decisions at the group level.
Requirements
- Bachelor's degree in business, marketing, or a related field from a reputable university (UI, ITB, UGM, or overseas).
- 8+ years of experience growing and retaining key accounts while leading a team to consistently exceed revenue targets.
- Having experience in working with Major Chinese smartphone OEMs in Indonesia is preferred
- Demonstrated previous experience in leading and managing an effective sales team, fostering a high-performance culture, and driving team engagement.
- Expertise in business and marketing strategies, with an exceptional understanding of the local markets trends and industry knowledge.
- Excellent communication and negotiation abilities.
- High proficiency in analyzing data to inform decision-making processes, identify trends, and drive strategic initiative.
- Understanding of market trends and basic industry knowledge
- Customer-centric approach with a track record of building and maintaining strong client relationships.
- 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.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Catered Lunch
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.
