Business Development Lead

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 Business Development Lead for Kalimantan, Sulawesi, and Maluku is responsible for ensuring the progressive development of each point of sale and business opportunity to achieve expected productivity, building and nurturing robust relationships with key retail partners and distributors. You will report to the Senior Commercial Manager and will work closely with the Sales team. You will have a huge opportunity to build the local commercial team environment. Responsibilities

Develop and implement effective strategic plans, forecasts, and goals to achieve targeted revenue growth and market penetration with minimal risk, in coordination with Sales teams and other Internal teams.

Establish and strengthen relationships with our commercial partners to launch local partnerships beyond traditional retailers (e.g., pawnshop collaboration, B2B, VAS bundle with local providers) and drive growth in our distribution network.

Lead, mentor, and develop a high-performing team of Business Development Reps, ensuring they are equipped with the necessary tools, training, and resources to succeed.

Support the Sales team in all their business activities to optimize customer satisfaction, thereby enlarging the existing customer base, driving sales through our commercial partners.

Monitor competitor activities by obtaining information and market trends, opportunities, and challenges, leveraging insights to inform strategic decisions and action plans.

Generate sales reports and monitor key indicators that show the progress of the initiatives and provide clarity on the actions that need to be taken to meet the company's goals and objectives, such as campaigns, promotional materials, and generating business.

Requirements

Aligned with PayJoy’s principles and cultures;

MUST HAVE strong commercial acumen with a proven 10+ years track record of closing, nurturing, and growing smartphone retailers and mobile network operators in the financing industry;

Professional experience leading a sales team and reporting to the executive team with a data-driven approach;

Exceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels in English and Indonesian;

Comfortable working on Google Suite (Sheet, Docs, Slides, etc.), CRM (Zoho & Zendesk), communication (Slack), data analytics, and project management tools (Hex and Jira);

Interested in growing your career as a business development professional;

Must be detail-oriented and process-oriented, and have experience working with robust SLAs; and

Previous technical experience is a plus.

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