---
title: 'Business Development Lead at PayJoy'
canonical: 'https://feeny.ai/job/business-development-lead-payjoy-jakarta-57tmyxdf4cef'
type: 'job'
last_seen: '2026-09-12'
---

# Business Development Lead at PayJoy

- **Company:** PayJoy
- **Location:** Jakarta, Indonesia
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-08-25
- **Last confirmed live:** 2026-09-12
- **Apply:** https://jobs.lever.co/payjoy/5d9d50dd-5ed1-4943-bf4b-56f69f168bf4

## Job description

## 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

## About PayJoy

## Company Overview
- **One-liner**: PayJoy provides secured phone financing and cash loans to underserved customers in emerging markets, using patented technology to enable credit access without a bank account or credit history.
- **Entity Type**: Private (Public Benefit Corporation) – Total funding $635.6M across 14 rounds.
- **Headquarters**: San Francisco, California, United States (with regional hubs in Africa, Asia, and Latin America)
- **Founded**: 2015
- **Founders**: Doug Ricket

## Core Business
- **Primary industry**: Financial Services (Fintech – secured consumer credit)
- **Target customers**: B2C (underbanked individuals in emerging markets) and B2B (retailers offering point-of-sale financing)
- **Mission**: Bring financial access to emerging markets, helping customers achieve financial stability and success. As a Public Benefit Corporation, PayJoy is legally committed to customer financial well‑being.

## Products & Services
- **Phone Financing**: Pay‑as‑you‑go smartphone financing with no accruing interest, fixed transparent pricing, and no late fees. Customers need only an ID – no bank account or credit history required.
- **Cash Loans**: Credit offerings for micro‑entrepreneurs and as insurance for tough times, with flexible payments and no penalty for being behind.

## Market Standing
- **Valuation**: Not publicly disclosed
- **Key Metric**: Annual revenue of $320M (LinkedIn estimate); Total funding $635.6M
- **Notable Investors/Partners**: Not explicitly listed in provided sources, but the company has raised 14 funding rounds and operates in 9 countries across 3 continents.
- **Growth Signals**: 20M+ customers served, nearly $4B lent, 909 employees (+46.4% YoY), carbon neutral since 2022, active in 9 countries (including Mexico, Brazil, Peru, South Africa, India).

## Competitive Advantages
- Patented secured‑credit technology that enables lending without traditional credit history.
- No accruing interest, no late fees, and no penalty for missed payments – differentiates from predatory lenders.
- Public Benefit Corporation status legally commits the company to customer financial well‑being.
- Advanced machine learning, data science, and anti‑fraud AI for credit scoring.
- Deep operational presence on the ground in multiple emerging markets.

## Strategic Focus
- Scale global impact by expanding into new countries and deepening existing markets.
- Use data and AI to improve credit access and financial inclusion.
- Maintain transparent, customer‑first lending practices while achieving profitability.
- Continue hiring across engineering, data science, sales, and operations roles.

## Why Work Here
- **Mission‑driven**: Work on products that directly improve financial well‑being for millions of underserved people.
- **Culture**: Emphasizes transparency, directness, focus on scale, work‑life balance, and diversity. Employees rate culture 4.4/5 on LinkedIn.
- **Remote/Hybrid**: Global team with offices in San Francisco, Mexico City, and regional hubs; many roles appear location‑specific (e.g., Mexico City, São José).
- **Benefits**: Market‑competitive compensation, health & wellness benefits, parental leave, professional development funds, paid time off.
- **Growth**: Rapidly growing company (46% headcount growth YoY) with opportunities to shape products and services from day one.

## Sources
1. [PayJoy Careers Page](https://www.payjoy.com/careers)
2. [PayJoy About Page](https://www.payjoy.com/about)
3. [PayJoy Homepage](https://www.payjoy.com/)
4. [PayJoy Jobs on Lever](https://jobs.lever.co/payjoy/)
5. [PayJoy LinkedIn Company Page](https://www.linkedin.com/company/payjoy)

## Other roles at PayJoy

- [Capital Markets Senior Manager](https://feeny.ai/job/capital-markets-senior-manager-payjoy-mexico-city-y50q6db1trgy) — Mexico City, Mexico
- [Analytics Engineer](https://feeny.ai/job/analytics-engineer-payjoy-bogota-ttnc0a24dqge) — Bogotá, Colombia
- [Sales Regional Analyst](https://feeny.ai/job/sales-regional-analyst-payjoy-taguig-city-em8wrbr3pvwy) — Taguig City, Philippines
- [Legal and Compliance Analyst](https://feeny.ai/job/legal-and-compliance-analyst-payjoy-panama-city-1mn5362q38as) — Panama City, Panama
- [Sales Retail Development Specialist](https://feeny.ai/job/sales-retail-development-specialist-payjoy-quito-3sawsryaw5qg) — Quito, Ecuador
- [Validation Support Representative](https://feeny.ai/job/validation-support-representative-payjoy-johannesburg-22byjexq8z7x) — Johannesburg, South Africa
- [Associate Operations Quality Support Specialist](https://feeny.ai/job/associate-operations-quality-support-specialist-payjoy-sao-paulo-n5fg2r4bkhse) — São Paulo, Brazil
- [Total Rewards Analyst](https://feeny.ai/job/total-rewards-analyst-payjoy-bengaluru-cfr0sye1zenx) — Bengaluru, India
- [Sales Enablement Manager](https://feeny.ai/job/sales-enablement-manager-payjoy-jakarta-5g0dbkhry01x) — Jakarta, Indonesia
- [Sales Operations Sr. Manager](https://feeny.ai/job/sales-operations-sr-manager-payjoy-mexico-city-ye8768pq305h) — Mexico City, Mexico