Artificial Intelligence (AI), Business Plan, Communication Skills, Cross-Functional, Customer Relations, Customer Retention/Renewal, Customer Satisfaction, Data Analysis, Data Science, Dental Insurance, Distribution Services, Diversity, Entrepreneurship, Finance, Financial Services, Gross Margin, Health Insurance, Insurance, Leadership, Machine Learning, Market Trend Analysis, Marketing, Microsoft Excel, Needs Assessment, Negotiation Skills, OEM (Original Equipment Manufacturer), Office Equipment, Performance Analysis, Performance Metrics, Persuasion Skills, Problem Solving Skills, Profit & Loss, Relationship Management, Sales, Sales Management, Sales Strategy, Stock Keeping Unit (SKU), Strategic Analysis, Strategic Planning, Trend Analysis, Underwriting
Key Account Lead
Panama City
Go To Market - Sales /
Hybrid
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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 Key Account Lead will be responsible for promoting, building and maintaining strong relationships with key partners by achieving high levels of customer satisfaction and designing strategies aimed at driving account growth and profitability.
Responsibilities
Account Leadership & Relationship Management
- Build relationships based on trust with a dedicated portfolio of Tier 1, Segment A major clients, ensuring these key accounts consistently grow above category rates.
- Serve as the primary link of communication and strategic alignment between key customers and internal cross-functional teams.
Strategic Planning & Sales Execution
- Develop comprehensive annual, semi-annual, and monthly sales plans tailored to each strategic Tier 1 client.
- Design strategic business plans and implement targeted action plans based on a thorough understanding of customer needs to maximize portfolio profitability.
Growth & Opportunity Identification
- Proactively identify and capitalize on new avenues for growth, including emerging market trends, untapped sales channels, and unmet customer needs.
- Drive product and portfolio expansion by championing the introduction of new SKUs and innovative solutions tailored to key account requirements.
Performance Monitoring & Analytics
- Monitor and drive core key performance indicators (KPIs): underwritings, First Payment Defaults (FPDs), active stores, Vintage Gross Margin, and Trade Investment.
Qualifications
- Bachelor's degree in Business, Commercial, Marketing, Finance, or related field.
- Minimum of 3 years of experience in commercial account management preferably in fintech, telecom operator, OEM, Key phone distributors, financial services, or related fields.
- Advanced Excel Knowledge and Google tools.
- Strong customer management skills with a proven track record of successful customer retention and growth.
- Excellent communication, persuasion, and negotiation skills, as well data analysis for strategic decision-making, proactive problem-solving.
- Ability to work independently and collaboratively in a continuous change and the dynamic market environment, delivering quick and effective results and solutions.
Benefits
- 100% Company-funded Health and Dental Insurance for employees and immediate family members
- Life insurance
- Vacations 30 days
- 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 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
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. 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.
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