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 18 million customers as of 2025 while achieving solid profitability for sustainable growth.
This role
The Retail Operations Senior Manager is responsible for driving growth, operational excellence and scalability across the company’s physical points of sale, including kiosks, stores and mobile units. This role owns end-to-end retail operations: new site launches, device logistics, maintenance and continuous improvement, ensuring efficiency, profitability and a consistent customer experience.
Responsibilities
Lead daily operations of kiosks, stores and mobile units.
Plan and execute new location launches, coordinating staffing, logistics and operational readiness.
Define and enforce SOPs, operational standards and KPIs.
Own device logistics strategy, inventory control and distribution.
Ensure visibility, traceability and optimal stock levels.
Lead preventive and corrective maintenance strategy for devices and infrastructure.
Manage vendors and SLAs to minimize downtime.
Process Excellence & Automation
Drive automation, scalability and continuous improvement of operational processes.
Recruit, develop and lead high-performing operations teams.
Collaborate cross-functionally with Product, Sales, Finance and Marketing.
Manage budgets, forecasts and report results to senior leadership.
Qualifications
Bachelor’s degree in Business Administration, Engineering, Operations Management, or a related field. MBA or equivalent advanced degree is a plus.
+6 years of experience in operations, logistics or a related field, and at least 4 years in a leadership role, the candidate should have a proven track record in operations expansion and process automation.
Proven experience in retail operations and accelerated expansion, overseeing hundreds of PoS nationwide.
Experience and strong understanding of the credit, financial services or fintech sectors are highly desirable.
Exceptional leadership and team management abilities.
Strong analytical and problem-solving skills.
Excellent communication and interpersonal skills.
Ability to navigate complex challenges and deliver results in a fast-paced environment.
Proficiency in project management tools and operational software.
Benefits
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 wellnes 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
Additional Information
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.
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening
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