Head of National Accounts

**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

• Formulate and lead the national accounts strategy, driving expansion across smartphone OEM, retailer, and distribution partners to optimize device-financing volume and commercial results.
• Establish the success framework for the accounts function—setting benchmarks and KPIs that convert market and industry trends into measurable financing growth, portfolio quality, and revenue outcomes.
• Orchestrate full-lifecycle account and channel initiatives through rigorous coordination, delivery, data review, and consistent reporting to executive leadership.
• Govern the most strategic OEM, retailer, and internal partnerships nationally, anticipating and mitigating commercial and operational risks to safeguard mission-critical goals.
• Represent national accounts performance to regional and global leadership, influencing senior stakeholders and shaping strategic decisions at the group level.

Requirements

• Bachelor's degree in business, marketing, or a related field from a reputable university (UI, ITB, UGM, or overseas).
• 8+ years of experience growing and retaining key accounts while leading a team to consistently exceed revenue targets.
• Fluent in Mandarin (spoken and written) is prioritized
• Having experience in working with Major Chinese smartphone OEMs is preferred
• Demonstrated previous experience in leading and managing an effective sales team, fostering a high-performance culture, and driving team engagement.
• Excellent communication and negotiation abilities.
• High proficiency in analyzing data to inform decision-making processes, identify trends, and drive strategic initiative.
• Customer-centric approach with a track record of building and maintaining strong client relationships.

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