Head of Operations, Pay Later (Pakistan)
Corporate operations
office
Yango Group is looking for a Head of Operations to own operations across Pakistan as part of Yango Fintech. In this role, you will drive new initiatives from design to scale, own the P&L, build the ops structure, and ensure smooth payment and collections processes.
Yango Fintech is part of Yango Group, a global tech company operating in 30+ countries across Africa, the Middle East, South Asia, Latin America, and Europe. Yango transforms global technologies into everyday services tailored to local communities, with an ecosystem spanning ride-hailing, delivery, e-commerce, fintech, and more.
In Pakistan, Yango Fintech runs several fast-growing initiatives, with Pay Later at the core, and is scaling them country-wide.
You will be responsible for
• Leading the company’s flagship operational initiatives from design through pilot to scaled operation
• Owning the P&L of your part of the business: funded volume, cost per funded transaction, field and collections cost lines, and the unit economics that decide what gets scaled and what gets shut down
• Designing, hiring, and leading the ops structure across Pakistan: city operations managers, field teams, operations functions
• Building and running the collections operation from early‑stage repayment reminders to late‑stage recovery, in‑house teams and external partners, as well as monitoring repayment rates and roll rates
• Ensuring smooth payment operations: managing repayment and disbursement flows with payment partners, reconciliation, and settlement issues
• Bringing operational and field reality into product, credit, and commercial decisions: identifying what converts, what breaks, and understanding the actual behavior of customers, merchants, and agents
You might be a fit if you have
• 8+ years in operations, including head‑of or senior leadership roles in fintech, consumer lending, payments, or adjacent consumer financial services
• A Fintech background on the operations and product side
• Experience launching new initiatives (products, channels, or geographies) and running them at scale
• Experience with P&L ownership or full responsibility for major cost and revenue lines, including fluency in unit economics and the ability to discontinue unprofitable initiatives
• Experience building and leading multi‑layer organizations (managers of managers); field/distributed operations experience is a strong plus
• Working knowledge of Pakistan’s payment ecosystem (banks, PSOs/PSPs, wallets, Raast/1LINK) to manage partners and resolve settlement issues
• A data‑driven, KPI‑heavy management style in a high‑accountability environment
• Fluency in English and Urdu
• Residency in Pakistan or are ready to relocate immediately
It’s a plus if you
• Know Pakistan’s retail space and how distribution channels work
• Have experience with agent or promoter networks (bank agent networks, device financing, telecom channels)
• Have a business degree from a top university (local or abroad)
Explore our benefits
*different conditions apply based on hiring location and position type
Life in balance with Yango
We know how to work hard, but we also know how to have fun together, and we are true believers that the wellbeing of our teams is importantPsychological support
Available in different languages to support you when you need it mostLife and private health cover
Life and private health insurance
*different conditions apply based on hiring location and position typeSHARE