Director of Lifecycle Marketing

As seen in "Tech Crunch", "Forbes", and "Bloomberg",
Tomo Credit
is one of the fastest-growing companies in Fin Tech. We’re on a mission to disrupt the outdated credit system and expand access to modern banking.

Headquartered in
San Francisco
, Tomo Credit is led by one of Inc.’s Top Female Founders and powered by a team of talented professionals from companies like Square, American Express, and Lending Club. We value passionate, grounded, and “can-do” individuals who are detail-oriented while keeping the big picture in focus.

We’re looking for someone who thrives on getting things done—someone who sees obstacles as opportunities and tackles them with grit and creativity. This role requires a self-starter with strong organizational skills and pride in delivering exceptional work. If you’re inspired by the idea of helping millions build a stronger financial future, we want to hear from you.
Please note:
This is a full-time, onsite position based in our San Francisco headquarters.

We’re looking for a data-driven, results-obsessed leader to own and scale our lifecycle marketing across the full customer journey for our consumer digital product.

As the Head of Lifecycle Marketing
, you will be responsible for building programs that convert prospects into subscribers
, increase retention rates
, and maximize lifetime value (LTV). You’ll lead the vision for lifecycle strategy, championing customer engagement and loyalty while executing high-performing campaigns that directly impact revenue.

This is an in-office leadership role in San Francisco, where you’ll work side-by-side with Product, Data, Design, and Growth Marketing. You’ll combine strategic influence at the leadership table with hands-on campaign optimization
, continuously testing, iterating, and improving based on real results.

Full-Funnel Lifecycle Strategy – Define and lead lifecycle initiatives that drive subscription conversion, improve retention rates, and increase LTV.

Segmentation & Personalization – Develop advanced targeting strategies using behavioral, demographic, and product usage data to deliver highly personalized experiences.

Campaign Execution – Build and launch automated and manual campaigns (email, push, sms) that support product launches, seasonal initiatives, and ongoing engagement programs.

A/B Testing & Experimentation – Design and run experiments to optimize subscription conversion rates, churn reduction, and overall campaign performance. Partner with Data teams to interpret results and scale winning strategies.

Cross-Functional Collaboration – Align with Product to integrate lifecycle messaging into feature releases and with Growth Marketing to ensure seamless post-acquisition engagement.

Performance Analysis – Own key metrics, including paid conversion, engagement,and campaign ROI. Present actionable insights to leadership and adjust strategy based on data.

Martech & AI Optimization – Manage lifecycle tools (Braze, Hightouch, Hub Spot, etc.) and implement AI-driven enhancements for personalization, predictive targeting, and performance improvement.

Experience: 6+ years in lifecycle, CRM, or retention marketing for consumer digital products or subscription-based businesses
.

Proven Results: Demonstrated success in improving subscription conversion and retention rates through data-driven lifecycle programs.

Testing Mindset: Strong background in designing, executing, and analyzing A/B tests and multivariate experiments.

Tech-Savvy: Hands-on with marketing automation tools, segmentation frameworks, and analytics platforms (Amplitude, Hightouch, or similar).

Analytical & Strategic: Skilled in translating data into actionable strategies with measurable business impact.

Collaborative Leader: Strong…