The Challenge
PayJoy has served 18M customers in emerging markets with patented secured credit tech. You'll drive retail network expansion across Latin America by executing growth strategies, optimizing store-level performance, and balancing aggressive customer acquisition with credit risk management.
Your Mission
Map high-potential retail markets in Peru using data-driven analysis; deliver market selection framework and top 10 expansion targets
Establish baseline P&L tracking for 20+ retail locations; identify 3-5 key profitability levers and quick-win optimization opportunities
Co-design and launch one retention campaign with marketing/CRM teams targeting credit line utilization increases; measure baseline NPS and repeat purchase rates
Build foundational retail growth playbook including market entry, launch planning, and performance tracking SOPs
Execute full retail expansion strategy for 5+ new locations; track market-to-profitability timelines and unit economics vs. targets
Drive 15%+ improvement in customer retention metrics through 3+ localized brand partnership campaigns
Optimize store-level P&L across network; improve gross margins by 8-12% and reduce NPL ratios by 2-3% through pricing/product recommendations
Scale retail playbooks across team; train operations staff and establish monthly performance review cadence with 100% location compliance
KPIs You'll Own
Store-Level Unit Economics (CAC, CLV, payback period)
Track customer acquisition cost, lifetime value, and profitability timeline for each retail location to optimize expansion ROI.
Non-Performing Loan (NPL) Ratio
Monitor credit quality across retail network; maintain acceptable NPL while scaling customer acquisition and credit line utilization.
Retail P&L and Margin Improvement %
Drive month-over-month improvement in gross margins, operational efficiency, and store-level profitability.
Customer Retention & Credit Line Utilization Rate
Measure repeat purchase rates and average credit line usage increases driven by retention campaigns and product optimization.
New Market Time-to-Profitability
Track how quickly new retail locations reach breakeven and target profitability benchmarks.
Tools & Stack
Your Team
Your Manager
Likely VP Growth or Head of Retail Operations (not specified)
Current Team
Cross-functional: risk/credit teams, marketing, CRM, operations
New growth role; backfill unknown
The Package
Salary
$55K-$75K base
Remote
On-site in Lima, Peru; FULL_TIME
Benefits & Perks
Company Intelligence
PayJoy is a mission-driven fintech providing secured credit to underserved customers in emerging markets. They've served 18M+ customers as of 2025 using proprietary ML, data science, and anti-fraud AI. They operate point-of-sale financing and card offerings while maintaining profitability.
Customers
18M+ in emerging markets (2025)
Culture
Mission-first, data-driven, fast-paced, high-change environment
Is This Role For You?
- You're obsessed with retail unit economics—CAC, CLV, payback period, and margin optimization excite you
- You thrive in ambiguity and can build scalable playbooks from scratch for rapid retail expansion
- You speak Spanish fluently (Lima-based) and have intermediate+ English; cross-cultural collaboration is your strength
- You've worked in fintech, retail tech, or fast-growth startups where you owned data-driven growth decisions and saw them through to results
- You balance aggressive growth targets with credit risk discipline; you understand the tension and can optimize both
- You need remote flexibility or HQ proximity—this is pure on-site, Lima-based retail grind
- You're uncomfortable with ambiguity or prefer highly structured, slow-moving organizations
- You lack real retail/operations experience or have only theoretical knowledge of unit economics and store-level P&L
Interview Process
Initial screening
Phone call with hiring manager; verify English proficiency, retail background, and growth mindset
Case study / take-home
Analyze sample retail P&L or market expansion scenario; present findings and recommendations
Technical deep-dive
Interview with data/analytics lead; discuss SQL, BI tools, and how you've used data to drive retail decisions
Leadership & collaboration round
Meet with cross-functional partners (risk, marketing, ops); discuss project management, conflict resolution, and examples of cross-team wins
Final offer stage
Offer conversation, reference checks, background verification
Interested in this role?
Apply now and hear back within days, not weeks.
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About Growth Marketing Roles
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