About PayJoy
PayJoy 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 credit cards, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety 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
The Commercial Manager is responsible for driving revenue growth by collaborating closely with the commercial strategy team to develop and execute effective go-to-market strategies, while leading and coordinating all commercial services, including marketing, sales enablement, promoter programs, and traffic lead generation, to achieve key business objectives.
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Key Responsibilities- Manage the sales team in a country.
- Collaborate to set sales targets and develop strategies specifically for attracting, retaining and aiming to accelerate admins , monitoring performance of commercial activities using key metrics.
- Build a strong internal and external communications strategy as well as the public affairs of Payjoy, aligned to our mission and principles.
- Conduct market research and analysis to create detailed business plans on commercial opportunities (expansion, business development etc.).
- Oversee and continuously improve Sales Promoters processes, including but not limited to training, sales, operations, logistics, billing, financial proposals, and sales documentation.
- Lead the Panama office in the absence of the Country Manager, owning day-to-day leadership and serving as a cultural role model who instills PayJoy’s values across the country
- Be the Legal Representative of the country’s operations
Qualifications- Bachelor in business administration, finance or relevant field
- Minimum of +8 years of leadership experience in Sales, Marketing and/or Growth with an emphasis on cross-functional and transformation projects, including 2+ years as a people leader.
- Experience driving transformative initiatives that bring together internal and external communication, people, processes, data/insights and technology into solutions to business problems related to all aspects of the pre & post-sales customer journey, highly focused on the acquisition of new customers and retention of the current ones.
- Solid knowledge of performance reporting and financial/budgeting processes and understanding of market research methods and analysis.
- Effective communication and active listening to understand the Sales teams requirements or identify pain points to propose effective solutions
- Ability to analyze market data and trends to broader strategic insights
- Ability to understand and work with Sales funnel concepts
Benefits- 100% Company-funded Health and Dental Insurance for employees and immediate family members
- Life insurance
- Vacations 30 days
- Phone finance, Headphone, home office equipment and wellness perks.
- $2,000 USD annual Co-working Travel perk
- $2,000 USD annual Professional Development perk
- Catered lunches
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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