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PayJoy
PayJoy

Merchant Operations Manager

Indonesia
Full-Time
Hybrid

TLDR

Coordinate promoter deployment across merchant partners and field marketing agencies, using performance data and fraud training to improve sales and productivity.

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

The Merchant Operations Manager is responsible for leading a high-performance, highly skilled operations team — including field marketing agencies and field promoter teams — that guides merchant clients through our processes, products, and promoter deployment. This role manages strategic interactions and administrative, technological, and logistical operations, executing a demand generation strategy built around placing the right promoters with the right merchants, to foster successful partnerships, drive customer engagement, and boost sales growth; overseeing merchant, clerk, and

Responsibilities

  • Lead the regional demand-generation strategy centered on promoter deployment, driving brand awareness and sales performance across merchant partners.
  • Serve as the main liaison for the Merchant Operations team, with a core focus on ensuring each merchant has the right promoters in place to lift sales and productivity.
  • Oversee the onboarding of new merchants and the sourcing/onboarding of suitable promoters, maintaining an accurate, continuously updated partner and promoter database.
  • Act as the interface between merchants, promoter/field marketing teams, and internal stakeholders to build action plans and mobilize resources against agreed business goals.
  • Coordinate and assign promoter personnel to each commercial partner, designing contract and scalability models, and monitoring/evaluating promoter effectiveness.
  • Establish measurable performance targets for promoter and field marketing teams; run regular reviews to track progress and adjust deployment to boost merchant performance.
  • Lead the design and continuous improvement of operational processes spanning merchant administration and promoter deployment, to raise efficiency and partner experience.
  • Ensure accuracy and consistency of merchant and promoter administrative data — references, pricing, user data, personnel records — across company systems.
  • Manage timely commission payments, incentives, and promotions for both merchants and promoters, in close collaboration with Accounting and Finance.
  • Oversee relationships with field marketing agencies supplying promoters, ensuring adherence to brand and operational standards, and coaching them to improve execution.
  • Analyze sales and promoter-performance data to identify trends and improvement areas, converting insights into action plans that lift merchant productivity.
  • Provide regular performance reporting (ROI, campaign effectiveness, recommendations) and partner with senior marketing, sales, and finance leaders to align initiatives with overall business objectives.
  • Monitor market and competitor trends, and work with the fraud team to train field personnel and curb fraud, protecting healthy, sustainable growth.

    • Requirements

  • Bachelor's degree in Economics, Management, Finance, or a related field.
  • 3-5 years of relevant experience in finance or operations, in consumer finance, technology, mobile products, or consulting industry,  in a high-growth tech startup environment or a highly intrapreneurial role.
  • Analytical skills with data-driven approach.
  • Self-driven and results-driven, willing to work in a dynamic, high-change environment.
  • Excellent oral and written communication skills with ability to present in person and in writing to non-expert audiences

    • Benefits

  • 100% Company Funded : Private Health Insurance for employee and immediate family
  • 20 days vacation
  • Phone finance, Headphone, home office equipment and wellness perks.
  • $2,000 USD annual Co-working Travel perk
  • $2,000 USD annual Professional Development perk
  • Catered Lunch

    • 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

    Benefits

    Free Meals & Snacks

    Catered Lunch

    Health Insurance

    100% Company Funded : Private Health Insurance for employee and immediate family

    Learning Budget

    $2,000 USD annual Professional Development perk

    Paid Time Off

    20 days vacation

    Wellness Stipend

    Phone finance, Headphone, home office equipment and wellness perks.

    PayJoy
    PayJoy

    PayJoy is a credit provider focused on empowering under-served customers in emerging markets to achieve financial stability. Our patented secured credit technology opens the door for these individuals to access credit systems through innovative point-of-sale financing and credit cards. By leveraging machine learning and data science, we help our customers thrive as micro-entrepreneurs and navigate economic challenges effectively.

    Founded
    Founded 2015
    Employees
    51-200 employees
    Industry
    Internet Software & Services
    Total raised
    $86M raised
    View company profile
    Operations Manager