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 expanding our Business Development team and looking for a results-driven BD Representative to drive new partner acquisition and onboarding, strategic partnerships, and nurturing robust relationships and enlarging the customer database through new commercial partners
You will report to the Business Development Lead and work closely with the sales team in acquiring new commercial partners and strengthening relationships beyond big traditional retailers (e.g. pawn shop collaboration, B2B, VAS bundle with local providers and driving growth in our distribution network.
You will support the Business Development Lead in all activities to expand big traditional retailers and enlarge the customer base, driving sales to our commercial partners.
Responsibilities
1. Merchant Acquisition & Market Expansion
Identify, prospect, and acquire new local merchants/semi modern channels/ strategic partners in line with company targets. Conduct market mapping, competitor analysis, and identify new business opportunities. Own end-to-end pipeline from lead generation to onboarding and activation.
2. Partnership & Key Account Management
Act as the main point of contact for key merchants (including handling operational cases and escalations. Maintain strong relationships, ensure SLA compliance, and drive partner satisfaction. Conduct regular business reviews and drive joint business plans.
3. Business Growth & Cross-Functional Collaboration
Develop and execute go-to-market strategies to increase transaction volume and revenue. Collaborate closely with Marketing and Operations teams for promo programs, roadshows, and merchant activation. Support registration, contracting, and documentation for all partnerships.
4. Reporting & Performance Tracking
Monitor merchant performance, prepare weekly / monthly reports, and provide actionable insights. Achieve and exceed assigned KPIs for acquisition, revenue, and retention. Monitor competitor and market activities by obtaining information on market trends, opportunities and challenges, leveraging insight to inform strategic decisions and action plans.
Qualifications
Aligned with PayJoy’s principles and culture;
Bachelor's degree in any major
5+ years of experience in business development/account management/partnerships/sales with a background in financial services /banking/retail is a plus;
Exceptional communication and interpersonal skills, capable of engaging and influencing stakeholders at all levels; English and Indonesian
Comfortable working on Google Suite (Sheets, Docs, Slides, etc.). CRM (Zoho & Zendesk), communication (Slack), data analytics, and project management (Hex & Jira)
Willing to work on-site in Jakarta and to travel to field/market locations.
Must be detail-oriented and comfortable in a fast-paced & early-stage environment;
Experience in Smartphone Retail or Fintech/Banking is highly preferred
Strong merchant network, especially in Gadget Retail & Distributors
Proven track record of achieving acquisition and revenue targets
Excellent negotiation, communication, and presentation skills
Field-ready, resilient, and willing to travel/work on-site when required
Self-starter with ability to work independently and collaboratively with local Sales Team/ regional teams
Benefits
100% Company Funded : Private Health Insurance for employee and immediate family
20 days vacation
Phone finance, headphone, home office equipment and wellness perks.
USD$2,000 annual co-working travel benefit
USD$2,000 annual professional development benefit
USD$500 annual wellness benefit
