Country Manager, India

Responsibilities

• Own PayJoy India's full P&L, setting and delivering ambitious targets across originations, AUM, revenue, and profitability.
• Develop and execute the India go-to-market strategy, spanning geographic rollout sequencing, offline B2B2C retail distribution, and online/D2C channel development.
• Build the India organization from the ground up: recruiting, developing, and retaining a high-performing team across commercial, operations, risk, and support functions.
• Manage the RBI relationship: ensure ongoing regulatory compliance, navigate evolving policy, and proactively engage regulators to protect and grow PayJoy's operating space.
• Win and deepen OEM partnerships: secure device compatibility agreements and commercial programs with manufacturers in close coordination with PayJoy's global OEM team.
• Drive cross-functional execution with product, engineering, risk, and people teams globally, delivering the India roadmap with speed.
• Define and model PayJoy India's culture, consistent with the company's mission and principles.

Requirements

• 10+ years of experience in financial services in India, with demonstrated success building or scaling a business.
• Experience running or senior responsibility within a regulated financial services business in India - familiarity with RBI oversight, compliance obligations, and the regulatory dynamics of consumer lending is non-negotiable.
• Track record of building and leading large teams, including hiring senior leaders and scaling an organization from an early stage.
• Experience working in or closely with a global company, with the cross-cultural fluency to operate effectively between a global HQ and a local India team.
• Willingness to be deeply hands-on - able to dig into unit economics, visit field operations, and engage retail and online partners directly - while also owning and communicating high-level strategy.