Business Development Manager

Retail Partnerships Manager - Smartphone Financing/Consumer Finance

Business Development Manager for retail partnerships, responsible for expanding the smartphone financing footprint across Brazil and, progressively, across Latin America. The role bridges sales, business development, and consumer credit, working closely with the Sales team, the Senior Credit Risk Manager, and fintech partners to ensure commercial growth aligns with credit quality and operational sustainability.

Key Responsibilities

• Prospect, negotiate, and onboard new retail partners—including independent stores, regional chains, telecom retailers, and electronics distributors—to expand the smartphone financing distribution network.
• Manage the full partner lifecycle: initial pitch, commercial agreement, onboarding, training, and ongoing performance management.
• Build and maintain a qualified pipeline of partnership opportunities across Brazil and target LATAM markets.
• Develop tiered partnership models and commercial structures aligned with partner size, geography, and product mix.

Sales Targets and Performance Management

• Define, cascade, and monitor sales targets by partner, region, and product segment, ensuring alignment with company financing volume and credit quality goals.
• Design and manage commercial incentive programs (rebates, commissions, co‑marketing, performance bonuses) that motivate partners and drive sell‑through.
• Produce regular performance reports covering activation rates, financed volumes, approval rates, and partner‑level profit/loss indicators.
• Work closely with the Senior Credit Risk Manager to monitor portfolio quality by partner and channel, flagging concentration risks or adverse selection patterns early.

Strategic Partnerships and Fintech Collaboration

• Manage strategic relationships with fintech partners involved in credit origination, payment processing, or embedded finance infrastructure—ensuring SLAs, commercial terms, and integration quality meet business needs.
• Identify and develop new partnership opportunities that enhance the distribution or financing capabilities of the platform.

LATAM Expansion

• Support entry into new LATAM markets by mapping the retail landscape, identifying anchor partners, and adapting the commercial model to local dynamics (pricing, distribution norms, regulatory constraints).
• Coordinate with the Senior Credit Risk Manager to ensure that credit policies, approval rates, and risk appetite are calibrated for each new market before commercial launch.
• Build local partner networks in Mexico, Colombia, Argentina, and other target markets—acting as the primary commercial contact during market ramp‑up.

Skills Requirements

• 5–8 years of experience in commercial, business development, or partnerships roles—preferably in consumer finance, fintech, telecom, or electronics retail.
• Proven track record of opening and managing retail or channel partnerships at scale, with measurable impact on sales volumes.
• Experience designing and executing commercial incentive programs and sales target frameworks for retail or distribution networks.
• Solid understanding of consumer credit products—particularly CDC (Crédito Direto ao Consumidor), installment financing, or BNPL—and how credit approval dynamics affect retail conversion.
• Strong negotiation skills and experience structuring commercial agreements with retail chains, distributors, or technology partners.
• Data‑driven mindset—comfortable working with sales dashboards, funnel metrics, and partner‑level performance reports.
• Fluency in Portuguese, English, and Spanish.
• Availability for a hybrid schedule: three days on site and two days remote.

Preferred Qualifications

• Direct experience with smartphone financing or handset distribution in Brazil or LATAM.
• Existing network of contacts within electronics retail chains, telecom operators, or regional distributors in Brazil or other LATAM markets.
• Experience with embedded finance or BNPL partnership models in retail contexts.
• Exposure to fintech partner management—API integrations, white‑label credit products, or revenue‑share commercial structures.
• Passion for financial inclusion and expanding credit access to underserved consumers through technology.

Location

Rua Werner Von Siemens 111, São Paulo.

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, religion, sexual orientation, gender identity, national origin, status as a veteran, or basis of disability or any federal, state, or local protected class.