Retail Marketing Senior Manager

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

Key responsibilities

- Develop and execute local marketing B2B2X strategies, with end to end budget ownership and accountability for vintage gross margin against marketing investment.

- Drive in-store marketing across retail network with thousands of points of sale, including:

- Align on joint marketing strategies with B2B retail partners and OEMs.

- Ensure coherent brand and messages throughout the customer journey.

- Co-ordinate with suppliers and field force sales team to ensure high coverage of quality materials at all points of sale.

- Drive B2C business through B2C retail channel and digital campaigns to drive customer acquisition and retention.

- Take a data driven approach to analyze and optimize customer activation, engagement, and retainment of customers, and to forecast and identify trends and challenges

- Assist the country leadership team in leading expansion plans for the market and shape the plan for launching new services while ensuring strong coordination with internal and external teams along the way.

Qualifications

- Bachelor's degree marketing, communication, advertising, or studying in a field related to data analysis.

- 10+ years of experience with Retail marketing experience in consumer electronics and/or fintech industries. Experience serving underbanked customers is a plus.

- Track record of results in trade marketing, branding, and media expertise, with a strong bias for action

- Experience delivering commercial KPIs e.g. customer lifetime value, CAC, ROI, etc.

- Highly organized, self-motivated and able to work independently.

- Comfortable working across diverse subject areas and a fast learner.

Benefits

• Local benefits depending on the country of hire

• Company-funded health insurance for employee and immediate family Company-funded employee life and disability insurance

• Paid vacation days, unlimited sick leave

• $2,000 USD annual Co-working Travel perk

• $2,000 USD annual Professional Development perk

• Phone finance, headphone benefit, home office equipment allowance and wellness perks

• Catered lunches

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