Business Development Retail Manager

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 Business Development Retail Manager exists to lead the sustainable and profitable growth of PayJoy Mexico’s retail network, being responsible for the operational and commercial performance of PayJoy points of sale. This role is strategically important to the business because it connects the company’s commercial vision with day-to-day execution in stores. It ensures that each point of sale has the right inventory, maintains healthy credit risk metrics, effectively executes promotions and marketing campaigns, and achieves its sales targets. By managing supervisory routes and resolving operational issues in a timely manner, this position reduces variability across stores, protects business margins, and ensures a consistent customer experience throughout the entire retail network. Responsibilities Inventory Management Across the Retail Network: Design and oversee inventory control processes across all points of sale, coordinating closely with Supply Chain to ensure optimal stock levels that prevent both stockouts and overstock situations. Safeguard product availability for sales while minimizing excess inventory that could negatively impact operational profitability. Maintenance of Healthy Credit and Risk Metrics: Continuously monitor First Payment Default (FPD), early delinquency, and other credit risk indicators at the store level. Identify locations exhibiting atypical performance and implement corrective action plans in collaboration with Risk teams to improve origination quality and protect the company’s portfolio. Design and Execution of Commercial Promotions and Campaigns: Lead the development and execution of promotions and sales campaigns aimed at increasing product placement and conversion rates across points of sale. Ensure that communication materials (POP displays, signage, promotional offers, and merchandising assets) are delivered on time, properly executed in stores, and evaluated through clear ROI metrics to inform future commercial decisions. Management of Store Visit Routes and Sales Targets: Design and manage store visitation and supervision routes across the retail network, assigning differentiated sales targets to each point of sale based on market potential and historical performance. Ensure that every store has clear objectives, defined action plans, and regular follow-up to achieve or exceed commercial goals. Operational Issue Resolution: Address and resolve operational issues reported by stores in a timely manner, including system problems, pricing discrepancies, material shortages, and operational conflicts. Prioritize issues based on business impact and coordinate with relevant internal teams (IT, Supply Chain, Finance, and Risk) to ensure uninterrupted operations at each point of sale. Retail Network Performance Management and Development: Conduct regular field visits to assess operational and commercial execution across stores, provide structured feedback to point-of-sale teams, identify performance gaps, and develop improvement plans that consistently raise execution standards throughout the network. Reporting and Commercial Intelligence: Consolidate and analyze sales, inventory, risk, and KPI performance data across the retail network, producing recurring executive reports for commercial leadership. Identify trends, business opportunities, and operational risks early enough to enable proactive action before they significantly impact business results. Strategic Cross-Functional Collaboration: Serve as the primary liaison between the retail network and internal functions including Supply Chain, Marketing, Risk, Finance, and Technology. Ensure that corporate decisions are effectively translated into field execution and that operational needs from points of sale are appropriately represented and addressed within internal forums and decision-making processes. Qualifications Education: Bachelor’s degree completed in Business Administration, Marketing, Industrial Engineering, Economics, or a related field. Experience: Minimum of 5 years of experience in retail management, business development, distribution network supervision, or sales management within a physical retail channel, preferably in the telecommunications, consumer goods (FMCG), or financial services industries. Territory and Network Management: Proven experience leading or supervising multi-location retail networks (20+ points of sale), including route planning, sales target allocation, and store-level performance management. Data Analysis and Tools: Intermediate to advanced proficiency in Microsoft Excel or Google Sheets, with the ability to interpret and analyze sales, inventory, and risk dashboards to support data-driven decision-making. Field Availability: High willingness and availability to conduct frequent field visits across the assigned territory, including domestic travel as required by business needs. Qualifications 100% Company-funded Health and dental and vision discount plan for employees and immediate family members. Life insurance. Phone finance, Headphone, home office equipment and wellness perks. 30 days of Christmas bonus 20 days paid Vacation 50% Vacation premium 13% Saving funds $2,000 MXN monthly grocery coupons $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