In-Shop Sales Manager – Buy Now, Pay Later (BNPL) at PalmPay

Description

• The In-Shop Sales Manager will be responsible for driving growth, operational excellence, and
• strategic partnerships within the assigned shop for our Buy Now, Pay Later (BNPL) business.
• This role combines sales, customer management, strategic thinking, and hands-on execution to
• build and manage merchant relationships, ensure compliance, and deliver financial
• performance targets. You will act as the key shop representative, supervising shop activities to scale BNPL adoption, optimize partner performance, and deliver superior customer experience.

Key Responsibilities
In-shop Growth & Strategy:

• Develop and execute shop plan aligned with state and national BNPL strategy and revenue goals.
• Identify new growth opportunities, merchant categories, and distribution channels.
• Monitor market trends, consumer behavior, and competitor activities to inform strategy and product positioning.

Partnership Management:

• Build and manage relationships with key merchants, aggregators, and payment partners.
• Negotiate commercial terms, pricing, and marketing agreements.
• Ensure partner satisfaction through regular engagement, performance reviews, and joint business planning.

Operational Excellence:

• Oversee shop operations including merchant onboarding, compliance, and transaction performance.
• Collaborate with product, risk, and finance teams to improve approval rates, repayment performance, and service quality.
• Ensure adherence to company policies, credit risk frameworks, and regulatory requirements.

Financial Performance:

• Own and deliver on shop revenue, portfolio quality, and profitability KPIs.
• Analyze financial metrics and prepare regular shop performance reports.

KPIs & Success Measures

• Shop revenue growth and merchant acquisition targets.
• Portfolio health (default rates, repayment performance).
• Partner satisfaction and retention.
• Operational efficiency and compliance adherence.
• Customer engagement and team performance metrics.

Requirements

• Bachelor’s degree in Business, Finance, Economics,
• At least 3 years in a shop or multi-market management role.
• Proven track record in B2B sales, partnership development, or channel management.
• Strong understanding of BNPL, consumer credit, or digital payments ecosystems.

Skills & Competencies:

• Strategic thinker with strong analytical and commercial acumen.
• Excellent negotiation, communication, and stakeholder management skills.
• Data-driven decision maker with hands-on problem-solving approach.
• Ability to work in a fast-paced, evolving fintech environment.
• Familiarity with digital platforms, CRM tools, and financial analytics.