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

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