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PayJoy is a mission-driven Public Benefit Corporation providing secured credit solutions to underserved customers in emerging markets. The company has served over 18 million customers as of 2025 and operates profitably through point-of-sale financing, card offerings, and advanced machine learning and anti-fraud AI.
As Merchant Operations Manager, you will lead the regional demand-generation strategy centered on promoter deployment, driving brand awareness and sales performance across merchant partners. You will serve as the primary liaison for the Merchant Operations team, ensuring each merchant has the right promoters in place to lift sales and productivity.
Key responsibilities include:
- Oversee onboarding of new merchants and sourcing/onboarding of suitable promoters, maintaining an accurate, continuously updated partner and promoter database
- Act as the interface between merchants, promoter/field marketing teams, and internal stakeholders to build action plans and mobilize resources
- Coordinate and assign promoter personnel to each commercial partner, designing contract and scalability models, and monitoring/evaluating promoter effectiveness
- Establish measurable performance targets for promoter and field marketing teams; run regular reviews to track progress and adjust deployment
- Lead the design and continuous improvement of operational processes spanning merchant administration and promoter deployment
- Ensure accuracy and consistency of merchant and promoter administrative data across company systems
- Manage timely commission payments, incentives, and promotions for merchants and promoters in collaboration with Accounting and Finance
- Oversee relationships with field marketing agencies, ensuring adherence to brand and operational standards
- Analyze sales and promoter-performance data to identify trends and improvement areas, converting insights into action plans
- Provide regular performance reporting (ROI, campaign effectiveness, recommendations) and partner with senior leaders to align initiatives with business objectives
- Monitor market and competitor trends, and work with the fraud team to train field personnel and curb fraud
Requirements:
- Bachelor's degree in Economics, Management, Finance, or a related field
- 3-5 years of relevant experience in finance or operations, in consumer finance, technology, mobile products, or consulting industry, in a high-growth tech startup environment or a highly intrapreneurial role
- Analytical skills with data-driven approach
- Self-driven and results-driven, willing to work in a dynamic, high-change environment
- Excellent oral and written communication skills with ability to present in person and in writing to non-expert audiences
