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.
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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
