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At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.

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We're looking for someone to lead our lifecycle marketing efforts as we scale our consumer credit card programs. Here's what you'll be expected to do:

Develop Comprehensive Lifecycle Strategy

1. Design end-to-end customer communication frameworks across acquisition, onboarding, activation, engagement, and retention phases
2. Craft persona-specific journeys that anticipate customer needs and deliver contextually relevant experiences
3. Establish clear success metrics for each lifecycle phase and communication touchpoint

Optimize Conversion Funnels

1. Implement sophisticated funnel analytics to identify friction points and conversion opportunities
2. Execute A/B testing methodologies to continuously refine messaging and user pathways
3. Collaborate with product teams to enhance application flows and early activation experiences
4. Create data-driven strategies to reduce time-to-first-transaction and increase early spending behaviors

Drive Customer Engagement Programs

1. Develop targeted communication campaigns that increase product usage across key merchant segments
2. Design milestone recognition programs that celebrate customer achievements and deepen brand affinity
3. Create personalized retention initiatives that proactively address attrition signals
4. Implement win-back strategies for dormant accounts and post-delinquency re-engagement

Lead Channel Optimization

1. Architect multi-channel communication strategies across email, SMS, push notifications, in-app messaging, and direct mail
2. Manage implementation and optimization of marketing automation platforms (e.g., Iterable)
3. Establish channel preference frameworks that respect customer communication choices while maximizing effectiveness
4. Develop real-time triggering mechanisms that deliver timely, contextual communications

Analytics & Measurement

1. Build comprehensive attribution models to quantify marketing impact on customer behavior
2. Develop cohort analysis frameworks to track long-term engagement patterns
3. Create executive dashboards that demonstrate lifecycle marketing ROI and business impact
4. Implement predictive models to identify customers requiring proactive intervention

Requirements

• 5+ years experience in lifecycle marketing, customer engagement, or retention marketing, preferably in fintech, financial services, or subscription businesses
• Proven track record optimizing conversion funnels with demonstrable impact on activation and engagement metrics
• Extensive experience with marketing automation platforms (e.g., Iterable)
• Strong analytical capabilities, including proficiency with SQL, Excel, and visualization tools
• Experience developing customer segmentation frameworks and personalization strategies
• Experience marketing financial products, particularly credit cards or other lending products

Benefits

We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits:

• Meaningful Start-up equity
• 100% health, vision & dental primary coverage
• 75% health, vision & dental dependent coverage
• Catered lunches
• $250/month Commuter benefit
• Parental leave
• Team building events & happy hours
• Flexible PTO with a minimum of 15 days off per year
• Apple equipment
• 401k plan

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Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.