Pay Joy 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 Pay Joy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. Pay Joy’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.

The Sales Enablement Representative at Pay Joy drives the design, maintenance, and optimization of the sales enablement ecosystem in South Africa. They ensure sales teams, promoters, and clerks have the tools, knowledge, and systems to boost merchant performance, customer a...