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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
PayJoy is entering a new phase of growth in India, and the Country Manager will lead it. This is a true builder role: the person will own the India go-to-market strategy, stand up the local organization, and drive PayJoy's first originations in one of the world's largest and most complex consumer credit markets. They are accountable for the full P&L and serve as PayJoy's key representative to retailers, OEM partners, lenders, and regulators.
Successful candidates combine strategic clarity with an operator's hunger for execution. They know how to build teams in India from scratch, manage a regulated financial services business under RBI oversight, close device manufacturer and channel partnerships, develop both offline and online distribution, and think rigorously about lending economics and capital allocation. PayJoy is committed to building a dynamic, diverse team, and strongly encourages applications from women and underrepresented groups.
Responsibilities
- 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.
Requirements
- 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.
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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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