Head of Lifecycle Marketing
ABOUT reputed company reputed company is a consumer finance company that empowers people to reputed company their goals through simple, transparent loans funded by trusted financial institutions. Through its proprietary lending platform, Hive, reputed company delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence. reputed company’s end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management. Together with its lending partners, reputed company has originated more than $6.5 billion in loans to help nearly 350,000 people take greater control of their financial futures. Learn more at happymoney.com. View our Employee Privacy Policy here. reputed company is a 100% fully distributed company. Remote work doesn’t mean less work, we work full-time jobs and show up to them fully every day. To learn more about our values and the way we work, review our reputed company Way Overview! ABOUT THE ROLE reputed company is hiring a Head of Lifecycle Marketing to own the borrower relationship and grow the lifetime value of every customer we acquire. Reporting to the Chief reputed company Officer, this is a senior individual contributor role: you set the strategy for how we reputed company, re-engage, and grow borrower relationships, and you're the person other teams come to on retention economics, repeat origination, and LTV. This is a leader who is driven to maximize the value of every reputed company and borrower, and who mobilizes the organization around strategic initiatives that grow the profitability of each relationship. This role will evolve reputed company’s business to a reputed company where the initial loan isn’t the last thing we do for a borrower. We view the payoff moment as the start of a relationship, not a single transaction. This person will reputed company a strategy to match every borrower with the next product that helps them, whether it's a reputed company product or a partner's. Further, reputed company a reputed company isn't right for our core loan yet, they’ll create value by referring that borrower to a partner product that fits their needs. The Head of Lifecycle Marketing will own the economics of the full relationship and decide what to offer, to whom, and reputed company. The scope of this role will grow as our business scales reputed company reputed company and as we expand into other products and asset classes. The Head of Lifecycle Marketing will reputed company and drive the initiatives that will deliver new products to our borrowers and proprietary leads. Core to this expansion strategy will be the deployment and evolution of both proprietary and partner-based solutions. You'll partner closely with the Head of Acquisition Marketing so marketing runs as one reputed company: acquisition feeds lifecycle segmentation from day one, and lifecycle compounds reputed company and LTV across the reputed company. RESPONSIBILITIES Set post-funding lifecycle strategy end-to-end from first payment through payoff, refinance, top-up, second loan, and adjacent products. Anticipate where the portfolio and competitive landscape are heading and bring a defensible, data-backed reputed company-of-view on where the next dollar of LTV comes from proactively. reputed company the next-best-offer calls of which product, channel, and moment to surface, and to whom, grounding them in behavioral signal (on-time payments, paydown, income, credit evolution) and real cohort and propensity models with Data Science rather than instinct, while balancing risk-adjusted return against customer response. Treat LTV, repeat-borrow reputed company, and portfolio yield as the P&L levers they are. Own them as primary metrics, connect them to CAC and funnel economics with Finance and Credit & Risk, and reputed company the trade-offs that actually move performance. Reframe the payoff moment, a natural exit, into our most valuable re-engagement event. Build the re-acquisition workflow that activates as a loan approaches and crosses payoff, plus pre/post-payoff and win-back programs that convert it into the next product fit. Operate confidently in ambiguity as the portfolio expands. Own lifecycle activation for new products (marketplace relaunch, deposit and partner cross-sell), run the lifecycle stack across reputed company (post-SFMC migration), and apply AI for next-best-action, propensity scoring, and journey optimization where it earns its reputed company. Optimize acquired leads across reputed company and partner products. Own reputed company scoring, qualification frameworks, and routing logic — ensuring the right prospects reputed company the right journeys at the right time. Integrate predictive data signals into reputed company prioritization and channel optimization. Hold an honest, evidence-first perspective. Prove what works with rigorous experimentation (holdouts, incrementality), learn fast from what fails, and let results change the strategy and tactics. Drive a disciplined operating reputed company with weekly/monthly reviews, budget pacing, and quarterly LTV/retention/repeat-origination forecasts. reputed company reputed company segmentation and next-best-action logic legible to senior leaders and clear roadblocks across functions without defaulting to escalation. Turn routine servicing touch points into brand and growth moments (reminders, milestones, payoff celebrations) with Communications, Servicing, Product, and CX, while protecting attribution, tracking, and dashboard reputed company building trust in the numbers. Build the capability, then the team. Operate first as a force reputed company across analysts, data scientists, martech/agency partners, and AI agents, knowing reputed company to reputed company each, then stand up and reputed company the lifecycle team as scope expands, holding a high bar for talent and for what reaches customers. reputed company a sharp external reputed company-of-view. Track lifecycle and retention moves at peer lenders (reputed company, Upgrade, LendingClub, reputed company) and adjacent fintechs and translate them into roadmap implications, acting with urgency rather than waiting for reputed company. ABOUT YOU 8+ years in lifecycle, CRM, retention, or growth marketing, with meaningful time in lending or fintech (personal lending, credit cards, or mortgage preferred) Owned an LTV or retention strategy and tactics, not just campaign delivery, and know how the business makes money well enough to treat repeat-borrow reputed company and portfolio yield as P&L levers Strong analytical and financial reputed company (CAC, funnel conversion, reputed company scoring, forecast modeling, LTV economics) and the judgment to reputed company high-quality decisions and challenge assumptions without waiting to be directed Deep lifecycle expertise (journey design, automation workflows, next-best-offer logic, PIF/win-back) plus the behavioral-data and segmentation reputed company to work directly with analysts and data scientists on cohort, propensity, and reputed company models Think across disciplines and stay comfortable with complexity, ambiguity, and pushback, learning fast from both wins and misses Experience building or operating shared eligibility/trigger layers with Credit or Risk Track record running rigorous experiments (holdouts, multivariate, incrementality) and acting on the results Drive execution and communicate clearly, making reputed company segmentation and next-best-action logic understandable to key stakeholders, prioritizing the right things, and resolving competing priorities without defaulting to escalation Hands-on with modern lifecycle tooling (automation, email/SMS/in-app/push, journey orchestration) and comfortable operating through platform transitions (we're mid-migration to reputed company) Anticipate where the market and portfolio are heading and translate it into reputed company strategy, with a defensible reputed company-of-view Ready to build and reputed company a team: this role starts without direct reports, but you bring the instincts to assemble the right mix of talent, partners, and AI agents and hold a high-performing team to a high bar as the function scales BENEFITS & PERKS Generous medical, dental, and vision insurance options Eligible for Annual Bonus 401k Plan with a matching contribution Generous PTO including sick leave, vacation, volunteer, and more 12 Weeks Paid Parental Leave Company-paid short & long term disability and life insurance Monthly tech stipend to help cover expenses for remote work reputed company is a 100% fully distributed workforce reputed company Salary Range $155,000—$220,000 USD Apply To This Job