Lifecycle Marketing Lead, Cardless
$125-165k
Plus equity
More information about location
Office located in Mission District, CA
Co-branded credit card creation platform
Open for applications
Co-branded credit card creation platform
21-100 employees
Open for applications
$125-165k
Plus equity
More information about location
Office located in Mission District, CA
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- 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
What the job involves
- We're looking for someone to lead our lifecycle marketing efforts as we scale our consumer credit card programs
- Design end-to-end customer communication frameworks across acquisition, onboarding, activation, engagement, and retention phases
- Craft persona-specific journeys that anticipate customer needs and deliver contextually relevant experiences
- Establish clear success metrics for each lifecycle phase and communication touchpoint
- Implement sophisticated funnel analytics to identify friction points and conversion opportunities
- Execute A/B testing methodologies to continuously refine messaging and user pathways
- Collaborate with product teams to enhance application flows and early activation experiences
- Create data-driven strategies to reduce time-to-first-transaction and increase early spending behaviors
- Develop targeted communication campaigns that increase product usage across key merchant segments
- Design milestone recognition programs that celebrate customer achievements and deepen brand affinity
- Create personalized retention initiatives that proactively address attrition signals
- Implement win-back strategies for dormant accounts and post-delinquency re-engagement
- Architect multi-channel communication strategies across email, SMS, push notifications, in-app messaging, and direct mail
- Manage implementation and optimization of marketing automation platforms (e.g., Iterable)
- Establish channel preference frameworks that respect customer communication choices while maximizing effectiveness
- Develop real-time triggering mechanisms that deliver timely, contextual communications
- Build comprehensive attribution models to quantify marketing impact on customer behavior
- Develop cohort analysis frameworks to track long-term engagement patterns
- Create executive dashboards that demonstrate lifecycle marketing ROI and business impact
- Implement predictive models to identify customers requiring proactive intervention
Our take
Cardless is a financial technology company attempting to modernize co-branded credit card programs. There are around 200 brands in the U.S. with traditional cards that haven't been modernized in over 20 years. These traditional cards, from the likes of Costco and Sam's, enable shoppers to collect reward points that they can use for things like travel.
Cardless is helping popular consumer brands (for example, NBA’s Cleveland Cavaliers) launch credit cards so they can engage with their fans and reward them with bespoke benefits. For example, a virtual conversation with a player.
Cardless’ co-founders are no strangers to the financial industry. Michael Spelfogel spent time at Visa and Scott Kazmierowicz worked in banking for Goldman Sachs. Through their experiences they spotted a gap in the market for simple, credit card loyalty programs that focus on customer experiences.
The global credit card market is valued at over $100 billion. It's certainly big enough for consumer brands to enter, however, with Cardless acting as a middle-man, there's always a risk that it could get frozen out by the big banks.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-30% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Nov 2024
$30m
GROWTH EQUITY VC
Jul 2021
$40m
SERIES B
Total funding: $80m
Company benefits
- 💸 Competitive salaries, equity, and a 401(k) plan
- 🏥 Top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical
- 🌴 Unlimited paid time off, with a minimum of 15 days off per year
- 👶 Parental leave for birthing and non-birthing parents
- ✈️ Team trips & offsites
- For in-office employees:
- 🍱 Catered lunch at the office every day, plus plenty of snacks & drinks
- 🚎 $250/month commuter assistance for public transit or our parking garage
- For remote employees:
- 🖥️ $500 remote setup stipend to help you do your best work
Company HQ
SoMa, San Francisco, CA
Leadership
Scott Kazmierowicz
(CEO)Former Investment Banker at Allen & Company and Bank of America. Former Software Engineer at Goldman Sachs. BS in Computer Science at Stanford University.
Michael Spelfogel
(President)Former Data Scientist at Lyft and Rent the Runaway. Formerly in Commercial Card Management at Visa. BASc in Management Science and Engineering at Berkley.
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