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 ability to lead and manage a nationwide sales force, driving performance across multiple regions or territories. • Experience working effectively with cross-functional teams to deliver shared business objectives. • A track record of setting and achieving ambitious sales targets and driving sustained revenue growth. • Strong analytical skills, with the ability to interpret sales data, forecast accurately, and translate insights into action. • Proven people-leadership skills, including recruiting, mentoring, and developing high-performing sales teams. • A degree in Business, Marketing, Commerce, or a related field (or equivalent practical experience). • Willingness and ability to travel regularly as required. Benefits • 100% Company Funded : Private Health Insurance for employee and immediate family • Pension Fund • Company-funded employee life and disability insurance • 20 days vacation, unlimited sick leave • $2,000 USD annual Co-working Travel perk • $2,000 USD annual Professional Development perk • Phone Finance, headphone benefit, home office equipment allowance and wellness perks • Catered Lunch 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