Universo is a leading financial institution in Portugal’s consumer finance sector, serving over 1 million customers. Our mission is to transform the way families manage their finances through simple, innovative financial solutions that make a positive impact on their everyday lives.

Our clients are the stars that set our course and make our work shine.

Want to be part of our Universe?

We are accelerating the growth of Cartão Universo in Portugal and are looking for a Retail Acquisitions Manager to lead the evolution of its retail acquisition operation.

We are looking for someone capable of building scale, elevating quality and transforming field sales operations into sustainable growth engines.

This is not just an operational management role. It is an opportunity to lead a nationwide operation with direct impact on the acquisition, activation and utilisation of one of the largest credit cards in the Portuguese market.

You will be responsible for managing the commercial operation focused on promoting and acquiring Cartão Universo through promotional stands located within partner stores across shopping centres, retail parks and other commercial environments.

The role requires strong field proximity, analytical capability, strategic vision and a strong execution mindset.

We are looking for someone capable of developing high-performing teams, creating operational discipline and implementing commercial practices that ensure sustainable growth, acquisition quality and excellence in customer experience.

Key Responsibilities

Partner Management and Commercial Operations Leadership

• Manage the nationwide operation for promoting and acquiring Cartão Universo within partner stores, ensuring high levels of performance, productivity and commercial quality
• Develop strong relationships with partners, external companies and credit intermediaries, ensuring operational alignment, continuous follow-up and compliance with defined standards
• Ensure the correct execution of commercial processes, internal policies and compliance requirements, promoting an efficient, sustainable and results-oriented operation

Training, Development and Scalability

• Lead, motivate and develop commercial promoter teams through coaching, follow-up and continuous performance improvement practices
• Develop and implement onboarding and continuous training plans, ensuring teams are prepared to promote and commercialise Cartão Universo effectively, responsibly and with quality
• Identify operational and commercial improvement opportunities, contributing to the evolution, scalability and sustainable growth of the retail acquisition model

Expected Impact

Success in this role will depend on the ability to balance three essential priorities:

• Growing the commercial operation
• Continuously improving acquisition quality
• Developing strong, prepared and consistent teams
• The role requires a complete view of the acquisition journey — from the initial customer approach to activation, utilisation and ongoing engagement with the Cartão Universo benefits ecosystem.

If you have

• A bachelor’s degree in Economics, Finance, Management, or a related field
• Relevant experience managing field sales teams, promoters or customer acquisition operations
• Performance management capabilities
• Analytical mindset
• Continuous improvement orientation
• Decision-making capability within dynamic and demanding environments

What we offer

• 35 000€ gross annual salary plus additional relevant benefits
• Company car
• Flextime and a hybrid working model, with three days in the office (Lisbon or Maia) and two from home, enabling a better work-life balance.
• A collaborative and cross-functional environment

We aim for greatness and boldness. We want to achieve the extraordinary, bringing your full self to what you do.

If you believe you can be a part of our Universe, please submit your CV.

Diversity & Inclusion

We are committed to fostering an inclusive workplace where everyone feels respected, valued, and given equal opportunities to thrive. We believe diversity drives innovation and strengthens teams. All applications will be considered fairly and based on merit, regardless of gender, age, background, identity, or personal circumstances.

Data Privacy

Your privacy matters to us. Any personal data shared will be used solely for recruitment purposes, handled confidentially, and processed in accordance with GDPR regulations.

For more information, please contact peopleculture@universo.com.