National Sales Head

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 - Lead and develop the Territory/Regional Sales Managers and Sales Representatives team, setting clear strategic plans and goals that deliver against sales objectives and budgets.

- Responsible for the relationship of promoter agencies and the management of promoter sales force across all channels.

- Design and execute a scalable national sales strategy that grows with the business — targeting at least 10% growth QoQ — and continuously refine processes as the business expands into new areas.

- Drive sales execution in close coordination with KAMs and other PayJoy teams to consistently achieve monthly, quarterly, and annual targets.

- Identify opportunities for market expansion and increased PayJoy market penetration.

- Build and scale a high-performing team by recruiting, hiring, and onboarding top talent, while mentoring and coaching reps to lift performance and reduce turnover.

- Provide strategic direction and performance oversight to SM/RSMs — holding them accountable for regional performance through reviews, one-on-ones, and reward and recognition initiatives.

- Cultivate a culture of achievement, collaboration, and accountability that motivates the team to consistently hit or exceed quota.

- Own the KPIs that measure sales effectiveness — lead generation, conversion rates, and ROI — and present clear, data-driven insights to senior management in partnership with the Country Manager.

- Set financial targets and budgets, and deliver accurate sales forecasts grounded in analysis of historical performance and market trends.

- Stay ahead of competitor activity and market trends, converting insights into forward-looking strategy and continuous improvement.

- Build and strengthen strategic relationships with commercial partners, Regional/Area/Operations/VAS Managers, and key retail decision-makers to expand and deepen the distribution network.

- Collaborate cross-functionally with Marketing, Operations, Finance, Compliance, KAMs, Retail Execution, and Kiosk Teams — supporting product launches, campaigns, training, and fraud/compliance investigations.

- Coordinate with the Kiosk Team on launch readiness, training, marketing materials, and operational compliance, and forecast and manage marketing material requirements nationally.

- Serve as the primary escalation point for operational, customer, and sales issues nationally — driving customer satisfaction and partner retention through regular engagement (calls, emails, WhatsApp, and meetings).

- Own operational governance, including invoice and headcount discrepancy checks (inactive BAs, incorrect store/kiosk assignment, headcount breaches, terminated/PIP BAs, duplicate billing) and implementing corrective action plans for underperforming regions or partners.

Requirements - 15+ years of experience in a senior sales management position, preferably within the mobile, consumer electronics, and/or financial products sectors.

- Proven experience negotiating with retailers and distributors, and building long-term commercial partnerships.

- Strong negotiation and communication skills, backed by a solid customer-facing background and a track record of accurately assessing customer and market needs.

- Demonstrated abil