PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.
This role
The Territory Expansion Sr Manager 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.
Key Responsibilities
- Lead cross-functional squads to launch and iterate on product features, pricing, credit policies, and customer experience.
- Partner with credit risk teams to balance approval rates and risk performance—ensuring healthy unit economics and low delinquency.
- Identify and validate new customer segments and use cases for expansion, leveraging data and user research.
- Design and roll out go-to-market strategies in coordination with growth, sales, and CRM teams to drive adoption and engagement.
- Monitor product P&L and key performance indicators (e.g., activation rate, utilization, NPL, CAC, retention), and lead initiatives to improve performance.
- Collaborate with external partners (issuers, processors, payment networks, BNPL or embedded finance providers) to expand capabilities.
- Enhance product offering with external partners to enable benefits in the productsStay on top of market trends, competitive benchmarks, and regulatory developments to ensure long-term product viability.
- Make local inputs to influence the product vision and roadmap for Credit Card and Credit Line products, aligned with the company’s growth objectives.
Qualifications
- Bachelor's degree in Engineering, business, Finance or a related field.
- Experience with Business Development, account managemente, trade marketing with carriers, retailers, and distributors with a strong understanding of finance and technology.
- 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
- 100% Company-funded Health and dental and vision discount plan for employees and immediate family members.
- Life insurance.
- Phone finance, Headphone, home office equipment and fitness perks.
- 30 days of Christmas bonus
- 20 days paid Vacation
- 50% Vacation premium
- 13% Saving funds
- $2,000 MXN monthly grocery coupons
- $2,000 MXN monthly restaurant coupons
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
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