Head of National Accounts

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

Develop and execute account plans that drive profitable growth for a group of accounts. Identify opportunities for upselling, cross-selling, and expanding our product or service offerings to meet the partners’ evolving needs.

Establish and maintain strong, trusting relationships with key stakeholders to escalate and resolve any incidences to keep the sales process moving forward, ensuring their satisfaction and act as the primary point of contact.

Lead a team of direct reports and cross-functional teams. Coordinate efforts to ensure all teams work cohesively to meet account goals, manage deliverables, and exceed business expectations.

Utilize data and analytics to assess account performance, track KPIs, and identify areas for improvement. Develop and implement data-driven strategies to optimize account profitability.

Ensure clear and effective communication between the partner, internal teams, and stakeholders. Regularly report on account performance, share insights, and align strategies to exceed growth and profitability goals.

Oversee contract negotiations, renewals, and amendments to ensure favorable terms for both the partner and PayJoy. Ensure compliance with our internal processes of setup, fraud controls, reconciliation, invoicing, etc.

Qualifications

5 + years of experience with account management/trade marketing with carriers, retailers, and distributors with a strong understanding of finance and technology.

Bachelor's degree in business, marketing, or a related field.

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

Local benefits depending on the country of hire

Company-funded health insurance for employee and immediate family

Company-funded employee life and disability insurance

Paid vacation days, unlimited sick leave

$2,000 USD annual Co-working Travel perk

$2,000 USD annual Professional Development perk

Phone finance, headphone benefit, home office equipment allowance and wellness perks