Growth Manager

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 Growth Manager is responsible for identifying, designing and implementing "scalable and sustainable" growth opportunities; including new strategies to attract potential customers, retain customers, launch new products (i.e Credit Line/Credit Card) and help to increase sales and profitability across our retail network.

Responsibilities

• Responsible for defining the overall long-term growth roadmap, including identifying and prioritizing the next major growth loops for the company.
• Develop and execute growth strategies for new and existing retail locations, including market selection, launch planning, and performance tracking.
• Lead end-to-end rollout of new stores, coordinating across teams to ensure smooth execution.
• Work closely with risk and credit teams to maintain low non-performing loans (NPL) ratios while preserving a strong, attractive product and financing offer for customers.
• Own and track full retail P&L, identifying drivers of profitability and making recommendations to improve margins, customer lifetime value, and operational efficiency.
• Ability to communicate the growth vision, challenges, and results clearly and confidently to executives and secure alignment and resources for high-stakes projects.
• Drive cross functional collaborations, mostly with marketing to localize campaigns and drive foot traffic to attract new customers.
• Optimize customer lifecycle by improving metrics across Adquisition, Activation, Retention and Revenue.
• Lead rapid experimentation by designing and executing A/B tests to find new growth levers.
• Work with key external and internal partners to co-develop new products and service offerings in-store.

Requirements

• Bachelor's degree Marketing, Economics, Statistics, Communication, Business, Engineering or similar. MBA or Master degree in Data Science, Business Analytics or similar.
• 6+ years of experience in retail strategy, growth, or operations, ideally in fast-paced environments such as retail, fintech, or startups.
• Analytical skills with data-driven approach.
• Communication skills for effective collaboration.
• Self-driven and results-driven, willing to work in a dynamic, high-change environment.
• Strong analytical mindset with the ability to turn insights into action.
• Experience working with cross-functional teams and managing complex projects.
• Comfortable with ambiguity and energized by building from scratch.
• Fluency in retail metrics, customer acquisition, and unit economics.

Benefits

• 100% Company-funded Health and Life Insurance for employees and immediate family members
• Phone finance, Headphone, home office equipment and fitness perks.
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk

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