Payjoy19mo ago

Country Manager, India

India·Bangaloremid

OtherCountry Manager

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Quick Summary

Overview

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.

Technical Tools

machine-learning

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

Own PayJoy India's full P&L, setting and delivering ambitious targets across originations, AUM, revenue, and profitability.

Develop and execute the India go-to-market strategy, spanning geographic rollout sequencing, offline B2B2C retail distribution, and online/D2C channel development.

Build the India organization from the ground up: recruiting, developing, and retaining a high-performing team across commercial, operations, risk, and support functions.

Manage the RBI relationship: ensure ongoing regulatory compliance, navigate evolving policy, and proactively engage regulators to protect and grow PayJoy's operating space.

Win and deepen OEM partnerships: secure device compatibility agreements and commercial programs with manufacturers in close coordination with PayJoy's global OEM team.

Drive cross-functional execution with product, engineering, risk, and people teams globally, delivering the India roadmap with speed.

Define and model PayJoy India's culture, consistent with the company's mission and principles.

10+ years of experience in financial services in India, with demonstrated success building or scaling a business.

Experience running or senior responsibility within a regulated financial services business in India - familiarity with RBI oversight, compliance obligations, and the regulatory dynamics of consumer lending is non-negotiable.

Track record of building and leading large teams, including hiring senior leaders and scaling an organization from an early stage.

Experience working in or closely with a global company, with the cross-cultural fluency to operate effectively between a global HQ and a local India team.

Willingness to be deeply hands-on - able to dig into unit economics, visit field operations, and engage retail and online partners directly - while also owning and communicating high-level strategy.

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