---
title: 'Sr. Manager Business Operations at PayJoy'
canonical: 'https://feeny.ai/job/sr-manager-business-operations-payjoy-johannesburg-hby1zw0cp4mp'
type: 'job'
last_seen: '2026-10-17'
---

# Sr. Manager Business Operations at PayJoy

- **Company:** PayJoy
- **Location:** Johannesburg, South Africa
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-16
- **Last confirmed live:** 2026-10-17
- **Apply:** https://jobs.lever.co/payjoy/92d6f663-4254-458c-b2b6-00825ae243ff

## 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

## Responsibilities

- Major activities carried out to achieve the end results (what needs to be done to achieve these results). Considering for each one “What, How and Why”.
- Add a maximum of 6 key job responsibilities (use bullet points instead of a paragraph)
- Solidify and standardize global promoter tools (PayJoy Connect, Cyborg and related systems) and processes, ensuring consistent adoption and monitoring in every country.
- Define, measure and report promoter effectiveness KPIs per market, using data to surface gaps and prioritize initiatives.
- Strengthen the end to end loop between agencies, internal staffing assignments, PayJoy Connect monitoring, and Cyborg notifications and actions, partnering with cross functional teams.
- Plan promoter initiatives jointly with country leaders and support local execution to grow applications and improve the conversion funnel.
- Lead and develop the promoter operations function, aligning global standards with local market needs and coaching teams to deliver results.
- Own and continuously improve the global promoter operating model, including the new commission based structure, to maximize promoter productivity and efficiency across markets.

## Requirements

- Proven experience designing and scaling field or promoter teams, including commission based incentive models.
- Strong analytical skills, able to define and track KPIs and turn data into action; comfortable with operational and CRM tools such as PayJoy Connect, Cyborg or Zoho.
- Experience leading managers and driving cross functional initiatives across multiple markets.
- Intermediate English plus local language proficiency.
- Excellent stakeholder management and communication skills across geographies and cultures.

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

- [Treasury Analyst](https://feeny.ai/job/treasury-analyst-payjoy-lima-3qt9cam7hb2t) — Lima, Peru
- [Merchant Operations Supervisor](https://feeny.ai/job/merchant-operations-supervisor-payjoy-jakarta-dccvfa4c1cyy) — Jakarta, Indonesia
- [Merchant Operations Representative](https://feeny.ai/job/merchant-operations-representative-payjoy-jakarta-ggq5z3af80kg) — Jakarta, Indonesia
- [Promoter Manager](https://feeny.ai/job/promoter-manager-payjoy-johannesburg-6pv74vxnq3h7) — Johannesburg, South Africa
- [Promotor Eventual](https://feeny.ai/job/promotor-eventual-payjoy-panama-city-gdssf6pr6v11) — Panama City, Panama
- [Merchant Operations Analyst](https://feeny.ai/job/merchant-operations-analyst-payjoy-sao-paulo-pq1vendsdmd1) — São Paulo, Brazil
- [Senior Software Engineer](https://feeny.ai/job/senior-software-engineer-payjoy-san-francisco-dmr93zs0ngt1) — San Francisco, CA
- [Supervisor de operaciones de soporte](https://feeny.ai/job/supervisor-de-operaciones-de-soporte-payjoy-lima-gpn2ta9pyjwr) — Lima, Peru
- [Fraud Operations Representative](https://feeny.ai/job/fraud-operations-representative-payjoy-mexico-city-160rp1wq8vtd) — Mexico City, Mexico
- [Collections Tools Analyst](https://feeny.ai/job/collections-tools-analyst-payjoy-mexico-city-5f8v1w7nxt2c) — Mexico City, Mexico