Credit Card and Credit Line GTM Lead – Colombia

About PayJoy
PayJoy 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 credit cards, customers gain access to a modern quality of life. PayJoy's credit also allows our customers to seize opportunities as micro-entrepreneurs, and provide safety acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 17 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role
The Credit Card and Credit Line GTM Lead will be responsible for driving the growth, adoption, and performance of our credit card and credit line products in the Colombian market. Acting as a critical bridge between the global product teams and the local GTM operations, this person will design and execute initiatives to boost customer engagement, activate new cardholders, and ensure seamless integration of both financial products across our commercial and distribution ecosystem.

Key Responsibilities

• Serve as the key liaison between the global Credit Line and Credit Card product teams and the Colombia GTM team, ensuring local execution aligns with global objectives.
• Design and execute GTM strategies to increase credit card activation and usage, particularly by cross-selling to customers acquiring phone finance products.
• Drive mutual reinforcement between the Phone Finance and Credit Card businesses, identifying opportunities for bundling, upselling, and joint campaigns.
• Maximize the use of our national distribution network to increase credit card issuance and activation.
• Manage relationships with existing commercial partners and acquirers related to the credit card business, ensuring alignment and performance.
• Track and drive key performance indicators (KPIs) for the credit card product, ensuring achievement of growth, activation, and usage targets in coordination with product and GTM teams.
• Develop and manage new and existing alliances to enhance the value proposition of the credit card through exclusive benefits and offers for cardholders.
• Lead initiatives to enable and scale the physical distribution of the credit card through our network of allies and retail partners.
• Collaborate closely with marketing, operations, risk, compliance, and customer service teams to ensure a smooth end-to-end experience for credit card customers.

Qualifications

• Minimum of 5 years of experience in the credit card or consumer finance industry, preferably with exposure to GTM strategy, product activation, or commercial partnerships.
• Proven track record of delivering results in card issuance, usage growth, and partner engagement.
• Strong interpersonal and relationship-building skills.
• Full professional proficiency in English and Spanish (verbal and written).
• Strong project management and data-driven decision-making skills.

Preferred Attributes

• Experience in fintech, telecom financing, or embedded finance environments.
• Familiarity with Colombia's financial and regulatory landscape.
• Entrepreneurial mindset and ability to operate in a fast-paced, evolving environment.

Benefits

• 100% Company-funded Health and Life Insurance for employees and immediate family members
• Indefinite-term contract
• 20 days of vacations
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• $500 Wellness

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