BALFIN Group is one of the most successful investment groups in the Western Balkans. Established in 1993, the Group today operates across Austria, Albania, Kosovo, Bosnia and Herzegovina, Croatia, North Macedonia, Switzerland, Montenegro, the Netherlands, Canada, and the United States of America.
Its diversified portfolio spans multiple sectors, including banking, real estate development, wholesale and retail, asset management, tourism, logistics, education, and entertainment.
With a workforce of approximately 5,500 professionals, BALFIN Group continues to grow steadily, guided by strong business ethics, financial stability, innovation, and a long-term commitment to community impact through Mane Foundation.

Happy Pay Sha is BALFIN Group’s fintech platform, offering regulated digital financial services in Albania. Established in 2020, Happy has evolved beyond loyalty programs to offer integrated electronic payment processing, digital wallet services, Buy Now Pay Later (BNPL) credit solutions, and the issuance of electronic money. Serving both individuals and businesses, its mobile app and integrated POS/kiosk systems support, secure and flexible payment solutions – creating a full digital transaction ecosystem. Licensed under Albanian financial regulations, Happy Pay will uphold high standards of security, compliance, and user experience and lead Albania’s digital finance transformation with innovation and smart commerce solutions.
Job Position: Merchant Expansion Officer
Department: Commercial Department
Location: Tirana
Reports to: Sales Director

Overview of the Role
The Merchant Expansion Manager is responsible for expanding and strengthening Happy pay’s merchant ecosystem.This role focused on identifyin,acquiring,and deleloping partnerships with merchants across varius industries to drive adoption of Happy pay solutions,including wallet payments,BNPL and monthly installment products.The position playes a key role in increasing transaction volume,improving merchant engagement, and ensuring a seamless integration of Happy pay servicesinto their sales processes.
Main Responsibilities
-Identify and onboard new merchants,across kye sectors(retail,electronics,fashion,furnitures,services,
Online stores)
 Present and promote Happy Pay Solution(wallet,BNPL,monthly payments)to potential merchants
 Negotiate commercial terms,commissions,fees,and partnership agreements
 Maintain and grow relationship with existing merchants,ensuring continuous engagement and usage
 Train merchant staff on how to use and promote Happy pay at their points of sale
 Develop and execute joint marketing campaigns to increase transactions and customer adaption
 Monitor performance metrics and analyze merchant activity to identify growth opportunities
 Collaborate with marketing,product and tech teams for improvements,integrations,and new initiatives.
 Prepare periodic reports on merchant acquisition,performance and market insights.
Competencies and Requirements
 Strong communication&negotiation skills with the ability to influence decision making
 Business development mindset with a focus on growth,performance and closing deals
 Relationship-building ability to maintain long-term productive merchants partnership
 Analytical thinking to interpret merchant performance data and identify opportunities
 Problem-solving skills with a proactive and solution oriented approach
 Presentation skills for pitching Happy Pay products clearly and convincingly
 Collaboration&teamwork especially with marketing products,tech team,and operational team
 Customer-centric approachwith a deep understanding of merchants needs
 Adaptability in a fast-paced fintech envioronment
Qualifications, Skills, Knowledge, Experience:
 Bachelor’s degree in Business Administration,Economics,Marketing,Finance or related field
 Master’s degree in communication,business,marketing or related field
 2-5 years of experience in Business Development,Sales,Merchant Acquiring or fintech/banking roles
 Experience working with merchants,retailers,or payment solutions is highly preferred
 Familiarity with digital payments,e-commerce,Pos systems,wallet products,BNPL Solutions(advantage)
 Demonstraded success in achieving sales targets or driving partner growth.
 Strong English Language skills(written&spoken)
 Excellent communication,presentation,and negotiation skills
 High level of proactivity,initiative and ownership
 Valid driving license
What We Offer
• An attractive benefit package, including fair remuneration based on merit and performance evaluation.
• An exceptional opportunity to develop your skills and growth within BALFIN Group.
• Extra Leave days
• Dynamic and collaborative work environment
Application Procedure: To apply for this position, please submit a CV in i.shima@happy.al by 13/02/2026.

*Your personal data (in your capacity as a job candidate) will be processed in accordance with Law no. 124/2024, dated 19/12/2024 “On the Protection of Personal Data,” as well as the Internal Regulation on the Protection of Personal Data (approved by Happy Pay Sha). This applies to the confidentiality and security of personal data. Only selected applicants will be notified about the next stages.
The processed data is accessed solely by HAPPY Pay Sha as the employer, specifically by the Human Resources Department.
The data of unsuccessful candidates will be retained for a maximum period of 1 year from the announcement of the successful candidate, for the purpose of contacting them in case of similar job openings matching the applicant’s profile. After 1 year, the data will be irreversibly deleted.