Offline Operations Manager - Pay Later Retail

About the role

Yango Fintech is expanding its Pay Later business in Pakistan from online into offline retail, where sales agents work inside partner stores to help customers complete onboarding (KYC and biometric verification) and make Pay Later purchases at checkout. This is a "build" role in Karachi: the first months focus on getting stores up and running, hiring and ramping up agents, and growing funded transaction volume.

Key responsibilities

• Lead the company's flagship operational initiatives end-to-end, from design through pilot to scaled operation.
• Own the P&L of your part of the business: funded volume, cost per funded transaction, field and collections costs, and the unit economics that decide what gets scaled or shut down.
• Design, hire and lead the operations structure across Pakistan, including city operations managers, field teams and operations functions.
• Build and run the collections operation, from early repayment reminders to late-stage recovery, using in-house teams and external partners; repayment rates and roll rates are your numbers.
• Keep the money rails working: repayment and disbursement flows with payment partners, reconciliation and settlement issues.
• Bring operational and field reality into product, credit and commercial decisions.

Required profile

• 5+ years of experience in retail and/or field operations, with a genuine, ground-level understanding of how retail works.
• Proven track record of building and managing field teams, including hiring, scheduling, setting targets and managing day-to-day performance.
• A hands-on approach, comfortable in stores solving problems in person and building processes from scratch.
• Ability to manage KPIs in a high-accountability environment.
• Fluency in Urdu and English.

What we offer

• Health and wellbeing support, including psychological support available in several languages.
• Life and private health insurance.
• Bonuses and perks.