Country Manager

🕒 April 27

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PayJoy

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2015

💳 Fintech

📡 Telecommunications

🛒 Retail

💰 Debt Financing on 2023-09

Fintech • Telecommunications • Retail

PayJoy is a company that provides credit opportunities through a unique 'buy now, pay later' model, particularly focusing on smartphones. It allows customers to acquire smartphones without needing a credit card or bank account by paying in installments over 3-12 months. PayJoy's model is aimed at facilitating access to mobile technology and financial services for consumers in various countries who may not have access to traditional banking facilities. The company operates in multiple regions including Mexico, Panama, Peru, Ecuador, Brazil, Colombia, South Africa, and the Philippines. It also offers cash loans approved in minutes using a smartphone, making it a quick and efficient way for people to manage their financial needs.

📋 Description

• Own PayJoy India's full P&L, setting and delivering ambitious targets across originations, AUM, revenue, and profitability. • Develop and execute the India go-to-market strategy, spanning geographic rollout sequencing, offline B2B2C retail distribution, and online/D2C channel development. • Build the India organization from the ground up: recruiting, developing, and retaining a high-performing team across commercial, operations, risk, and support functions. • Manage the RBI relationship: ensure ongoing regulatory compliance, navigate evolving policy, and proactively engage regulators to protect and grow PayJoy's operating space. • Win and deepen OEM partnerships: secure device compatibility agreements and commercial programs with manufacturers in close coordination with PayJoy's global OEM team. • Drive cross-functional execution with product, engineering, risk, and people teams globally, delivering the India roadmap with speed. • Define and model PayJoy India's culture, consistent with the company's mission and principles.

🎯 Requirements

• 10+ years of experience in financial services in India, with demonstrated success building or scaling a business. • Experience running or senior responsibility within a regulated financial services business in India - familiarity with RBI oversight, compliance obligations, and the regulatory dynamics of consumer lending is non-negotiable. • Track record of building and leading large teams, including hiring senior leaders and scaling an organization from an early stage. • Experience working in or closely with a global company, with the cross-cultural fluency to operate effectively between a global HQ and a local India team. • Willingness to be deeply hands-on - able to dig into unit economics, visit field operations, and engage retail and online partners directly - while also owning and communicating high-level strategy.

🏖️ Benefits

• Phone finance, Headphone, home office equipment and wellness perks. • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk