Business Development Representative

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 Sales Representative is responsible for increasing the originations (phone finance sales) of new and existing retail, distributor, or network partners in the assigned territory. You will be required to build and maintain strong relationships with all assigned partners and their respective stakeholders through constant fieldwork (store visits) to provide support, training, and implementation of incentive campaigns and targeted marketing, to ensure compliance and exceed sales and productivity objectives.

This position will report to the Regional Sales Manager and you will have a huge opportunity to build the local commercial team environment. You will use your strong PayJoy product and commercial expertise to accelerate PayJoy’s growth.

Responsibilities

• Implement effective strategic plans, forecasts, and goals to achieve targeted revenue growth and market penetration in the assigned region with minimal risk;

• Establish and strengthen relationships with our merchant partners to drive growth in our distribution network;

• Ensure that merchants who sold in the prior month are also selling in the current month;

• Develop the relationship with merchants to keep the account of existing members healthy/stable, responding to requests and solving problems in the conversion to end customers with the PayJoy platform;

• Visit stores to ensure compliance, promote marketing materials, and activate incentive campaigns; and

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

Requirements

• Aligned with PayJoy’s principles and cultures;

• MUST HAVE strong commercial acumen with a proven 7+ years track record of closing, nurturing, and growing smartphone retailers, distributors, and mobile network operators in the financing industry;

• MUST HAVE a means of personal transportation - preferably a motorcycle;

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

• Comfortable working on Google Suite (Sheet, Docs, Slides, etc.), CRM (Zoho & Zendesk), and communication (Slack) tools;

• Bachelor’s degree or equivalent;

• Interested in growing your career as a sales professional;

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

• Previous technical experience and fluency in English are 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

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

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.