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
We are looking for an experienced Business Development Senior Manager to drive our commercial expansion and elevate key account partnerships.
This role is ideal for a strategic leader skilled in market analysis, complex contract negotiations, and identifying high-margin revenue streams. You will work closely with executive leadership, sales, and marketing teams to position our portfolio for maximum market penetration and long-term value.
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
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
Responsibilities
Effectively manage relationships with key accounts ensuring customer satisfaction and loyalty.
Identifying and developing new business opportunities with existing and potential clients that have high profitability potential, utilizing market analysis to create strategies that maximize profitability and differentiate our products and services.
Continuously analyze the market and sector trends to adjust business strategies to maximize opportunities of penetration in a highly competitive market and profitability
Collaborate closely with the marketing and sales teams to develop effective campaigns and promotional materials tailored to market needs.
Negotiate agreements and contracts that ensure mutual long-term benefits for all parties involved.
Maintaining clear and persuasive communication facilitates presenting reports, outcomes, and proposals to management and other key stakeholders.
Qualifications
Bachelor's degree in business, marketing, or a related field.
Solid experience managing key accounts in the finance, telecommunications, and retail sectors, cultivating strong relationships and understanding client needs to deliver high-value solutions.
Experience in signing large corporate contracts with long sales cycles, managing a team of direct reports to hit your monthly sales targets (large national retailers).
Previous experience negotiating with C-Level professionals
Proven experience in coordinating communication across multiple teams inside the company
Comfortable managing CRM platforms at the user level
Results-driven, and enjoy a high-change environment that is focused on expanding phone finance services.
Strong analytical, organization, communication, and interpersonal skills
Competence to identify problems, propose innovative and effective solutions, adapt quickly to market changes and make informed decisions under pressure.
Comfortable communicating in English.
Availability for a hybrid work model and 4-day trip per month (estimate).
Benefits
100% company-funded health and dental insurance for employees and immediate family members
Life Insurance
Meal voucher
R$400,00 Commuting benefit
R$180,00 for home office assistance
Incentive for the phone finance product
Budget for noise-canceling headphones
Budget for home office equipment
Annual budget for wellness perks
$2,000 USD annual Co-working travel perk
$2,000 USD annual Professional Development perk
