Operations Manager

Head of Operations (Physical Expansion & Product Lineup)

São Paulo (base) | Frequent travel across Brazil

PJ | Full-time

About Pagô

Pagô is evolving.

We are moving beyond a purely digital model to build a field-driven financial operation, with physical points of presence embedded in the real Brazilian economy.

These locations will not only operate Pagô’s core products — they will also serve as distribution hubs for a broader financial product lineup, built in partnership with external providers.

This role exists because physical execution, product mix, and partnerships must be built together.

The Role

We are looking for a COO with a CEO mindset to design, build, and run Pagô’s physical operations, end to end.

This includes:

• Building the physical operation
• Defining what products are offered in each location
• Structuring and managing relationships with financial product providers

You will take Pagô from strategy to the ground — location by location.

This is a builder role, not a maintenance role.

What You Will Build

• Pagô’s physical operational model
• A scalable store-level product lineup (payments, credit, and partner products)
• Strategic relationships with financial product providers
• On-the-ground presence in selected cities (especially in the Brazilian interior)
• Teams, routines, and processes that function in real environments
• A repeatable playbook for physical expansion

Responsibilities

• Design and implement Pagô’s physical operations strategy
• Identify, evaluate, and support the selection of new operational locations
• Lead the setup of physical points of presence (from zero to running)
• Define the product lineup offered in each physical location, aligned with local demand
• Build and manage relationships with financial product providers and partners
• Negotiate commercial terms, distribution models, and operational flows with providers
• Ensure products are properly integrated into day-to-day operations
• Hire, train, and manage local teams
• Define operational processes that work in the field
• Be present where the operation happens: customers, partners, local ecosystems
• Ensure operational consistency while scaling across locations
• Act as the main execution leader for physical expansion
• Work closely with product, credit, and risk teams
• Report directly to the founder with high autonomy

Who We’re Looking For

This role is for top-tier operators with commercial and product judgment.

You are someone who:

• Thrives in building operations from scratch
• Understands how product, distribution, and operations connect
• Is energized by being in the field, not behind a desk
• Has strong execution discipline and commercial instincts
• Is highly organized and ownership-driven
• Is comfortable making decisions with incomplete information
• Has full flexibility for travel and on-site work
• Leads by presence and example

Experience with financial products (payments, credit, banking, fintech, or regulated financial operations) and/or building distribution partnerships is a strong plus.

Non-Negotiables

• High mobility and availability for field work
• Hands-on leadership style
• Comfort with ambiguity and responsibility
• Strong bias toward execution over discussion

What This Is Not

• Not a corporate COO role
• Not a strategy-only position
• Not a remote or desk-only job
• Not a role for people who avoid operational friction

Compensation

• Fixed compensation (PJ)
• Performance-based bonus tied to:
• Store rollout
• Product lineup execution
• Provider partnerships
• Operational performance
• Long-term upside aligned with impact

Why This Role Matters

Pagô believes that real financial infrastructure is built on the ground, close to businesses and their ecosystems.

This role sits at the intersection of:

operations × product × distribution.

If you want to build physical operations, define what gets sold, and decide how financial products reach the field, this role was designed for you.

Interested? Send a DM or apply directly.

Rodou, girou, Pagô. ⚡