PayJoy is a mission-first financial service provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. We lend through our patented technology that turns a smartphone into digital collateral, and our cutting-edge machine learning, data science, and anti-fraud AI allow us to offer the lowest cost and qualify the most customers in the industry. As of 2025 we have brought billions of dollars in credit to 15 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term.

This role

Key Responsibilities

Oversee the day-to-day operations of the PayJoy kiosks, providing regular reporting on operational, financial and strategic performance, as well as developing and implementing operational processes to improve efficiency, reduce costs and ensure high levels of long-term satisfaction and retention.
Ensure compliance with regulations, safety standards, lease management, relationship with mall managers, displays and promotions, and kiosk maintenance, fit-out, relocation and upgrades or repairs.
Work with the marketing team or be responsible for the development and implementation of strategies to drive foot traffic and sales; planning, organizing and executing promotional events, sales and seasonal campaigns to drive customer engagement, including the kiosk's social media presence, external advertising opportunities and budget spend.
Manage the kiosk budget, including expenses, revenue and profit targets; through effective management of rent, additional revenue streams (e.g. payments, line of credit and stock acquisition) and tracking KPIs related to rents paid, sales performance and customer engagement.
Lead, mentor and guide a team of staff, conduct performance appraisals to ensure ongoing professional development of team members; and foster a positive and productive work environment to improve team morale and performance.

Qualifications

Bachelor’s degree in Business Administration, Real Estate, Hospitality Management, or a related field.
Minimum of 2 years experience in financial acumen, budgeting and marketing strategy management, whilst in the retail/distribution environment and/or a sales or similar role.
Knowledge of Microsoft Office and Google Suite local and national commercial property regulations and management.
High level of customer orientation and relationship-building, Strong leadership, communication, problem-solving and decision-making skills - all applied in a dynamic environment.
Proven experience managing point of sales (kiosks or stores).

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

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