Territory Manager

Description

Job Summary: The Territory Manager will lead the commercial operations of the Central region, managing teams and ensuring achievement of origination targets, growth of active customers, and territorial expansion. Key Responsibilities: 1. Lead and develop field sales teams 2. Implement commercial projects and operational standards 3. Strengthen relationships with strategic partners and maximize potential **About PayJoy** PayJoy, a Public Benefit Corporation, is a credit company with a clear mission: to help underserved customers in emerging markets achieve financial stability and success. Our patented guaranteed credit technology provides a pathway for new customers to enter the credit system. Through point-of-sale financing and PayJoy card offerings, customers gain access to a modern, high-quality life. PayJoy credit also enables customers to seize opportunities as micro-entrepreneurs and serves as a form of insurance. By leveraging advanced technologies such as machine learning, data science, and artificial intelligence for fraud prevention, we have served over 18 million customers as of 2025, achieving strong profitability that drives sustainable growth. **About the Role** The Territory Manager will be responsible for leading the commercial operations of the Central region, ensuring achievement of origination targets, growth of active customers, territorial expansion, and proper field execution. They will lead the Sales Representatives team through coaching, ride-alongs, performance tracking, and ongoing training. They will be responsible for implementing commercial projects, ensuring operational standards, strengthening relationships with strategic partners, and maximizing the region’s commercial potential through results-oriented action plans and sustainable productivity. ### **Responsibilities** * Lead and develop the Sales Representatives team to ensure achievement of commercial objectives and sustainable regional growth. * Conduct ride-alongs and coaching sessions to strengthen commercial capabilities and improve team performance. * Supervise the correct implementation of projects, processes, and operational standards defined by PayJoy. * Analyze commercial KPIs and generate action plans focused on productivity, coverage, and execution quality. * Ensure continuous training on tools, processes, and commercial best practices. * Maintain strong relationships with strategic partners and key stores to ensure business growth and stability. * Identify opportunities for territorial expansion and development of new points of sale. * Ensure appropriate use of technological tools, CRM, and commercial reporting for efficient territory management. ### **Requirements** * Bachelor’s degree or higher in Business Administration, Marketing, Industrial Engineering, Economics, or related fields. * Minimum 3 years of experience leading field commercial teams. * Experience in fast-moving consumer goods, telecommunications, technology, retail, fintech, or traditional channels. * Intermediate/advanced proficiency in Excel, PowerPoint, Google Sheets, and CRM tools. * Knowledge of commercial analysis, KPIs, point-of-sale execution, and territory management. * Experience conducting ride-alongs and commercial coaching. * Leadership, negotiation, communication, and problem-solving skills. * Strong results orientation and ability to manage multidisciplinary teams. * Desired experience managing commercial projects and digital tools. * Willingness to travel frequently within the Central region. * Intermediate English proficiency. * Proficiency in data visualization and analytics tools. * Prior experience in fintech or commercial technology companies. * Familiarity with coaching methodologies and team development. * Experience working with multicultural teams or regional structures. ### **Benefits** * Health insurance for employee and immediate family members. * Funding for phone, headphones, home office equipment, and wellness benefits. * 30 days of vacation * $2,000 USD annual benefit for Co\-working travel * $2,000 USD annual benefit for professional development. **PayJoy Principles** At PayJoy, we are proud to be an equal opportunity employer. We welcome and encourage inclusion of people from all backgrounds. We do not discriminate on the basis of 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, disability, or any other legally protected characteristic. 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.