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PayJoy

Senior Retail Store Expansion Manager

PayJoy

. Build and scale PayJoy's owned retail store channel from pilot to a productive, defensible origination channel .

Posted 10/12/2026full-timeJohannesburg • South AfricaSeniorWebsite

Core Competencies

Role fit
Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in retail operations management, including scaling physical store networks and developing effective staffing and training pipelines. Proven ability to analyze performance metrics and drive store productivity while maintaining accountability for underperforming locations.

Highest-signal resume keywords
Retail Operations ManagementScaling Physical Store NetworksStaffing and Training Pipeline DevelopmentPerformance ManagementAnalytical Skills

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills
Store Operating Model DesignUnit Economics AnalysisStore Rollout PlanningPerformance TrackingMulti-Site Management
Soft Skills
Entrepreneurial MindsetCan-Do AttitudeBias for Speed and ActionAdaptability
Certifications & Qualifications
Business Management Qualification
Industry Keywords
Retail OperationsFintechLendingTelcoStore Activation

About the role

Key responsibilities & impact
  • Build and scale PayJoy's owned retail store channel from pilot to a productive, defensible origination channel
  • Design the store operating model, including format, layout, staffing template, and customer sales motion
  • Establish per-store unit economics and minimum productivity standards for target applications/originations per month
  • Create a store-opening playbook with consistent site execution
  • Build the recruitment, training, and incentive pipeline
  • Own delivery of the store rollout plan and opening cadence
  • Build and lead the store management team, including area managers and regional layers as needed
  • Own store-channel performance, including originations volume and quality, conversion rate, and store productivity
  • Hold underperforming stores accountable
  • Partner with Business Development to review structurally underperforming stores
  • Coordinate store activation handoffs with Business Development under a clear SLA
  • Coordinate with the Kiosk Manager to avoid channel cannibalization and align partner relationships
  • Provide distribution and productivity insights to Business Development and the Country Manager
  • Track stores opened versus plan, applications/originations per store, conversion rate, time-to-productivity, and cost per origination channel

Requirements

What you’ll need
  • Minimum 10 years' experience in retail operations or a related multi-site field
  • A business management qualification (or equivalent)
  • Lending, Fintech and/or telco background is beneficial
  • Proven track record of scaling a physical store network of 50+ locations
  • Strong retail operations background with hands-on multi-site store management experience
  • Entrepreneurial mindset and can-do attitude
  • Analytical
  • Proven strength in building staffing and training pipelines and store-level performance management, including holding underperformers to account
  • Bias for speed and action; willingness to test in-market, learn from fast failure, adjust, and keep rollout moving
  • Comfortable operating in a build-then-scale environment and designing an operating model from first principles
  • Willing to travel extensively across the store network
  • Reliable vehicle and valid driver's licence

Benefits

Comp & perks
  • Full-time employment
  • Work-Life Balance
  • Equal Employment Opportunity and inclusive workplace
  • Active Listening
  • Transparency & Directness
  • Embrace Diversity