Senior Director, Consumer Marketing (Card + Loan Products)

Description

JOB TITLE: Senior Director of Consumer Marketing (Card + Loan Products)

LOCATION: Los Angeles, CA (Hybrid; 3 days in office )

REPORTS TO: Chief Marketing Officer

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

About the Role

We are hiring a Senior Director of Consumer Marketing to own the full-funnel marketing strategy and performance for Sunbit’s Credit Card, Personal Loans, Earned Wage Access, and Co-branded Card Programs. This is a high-impact leadership role that will define how we acquire, activate, engage, and retain customers at scale while serving as the backbone of the entire Consumer Marketing organization.

Reporting directly to the CMO, you will serve as both a strategic business partner and operational leader — translating growth objectives into executable marketing plans, building scalable systems and processes, and driving measurable P&L impact. Your work will be central to Sunbit’s next phase of growth as we launch our new brand and expand nationally.

This role is ideal for a strategic operator who combines big-picture business thinking with obsessive executional excellence. You thrive at the intersection of marketing strategy, customer experience, data, product, and regulated financial services operations.

Key Responsibilities

Consumer Marketing Strategy & Business Planning

• Develop and own the long-term consumer marketing strategy across Credit Cards, Loans, and co-branded programs, aligned with overall company growth targets and new brand positioning.
• Lead annual and quarterly planning processes, including forecasting, budgeting, and resource allocation to maximize ROI and P&L contribution.
• Identify new customer segments, product opportunities, and go-to-market strategies that drive sustainable, profitable growth.

Card & Loan Acquisition Strategy & Campaigns

• Lead the strategy and execution of large-scale pre-screen acquisition, invitation-to-apply (I2A), and direct mail campaigns.
• Design and optimize high-performing multi-channel acquisition programs that deliver efficient growth while maintaining strong credit quality.

Full Customer Lifecycle Management

• Own the end-to-end customer journey — from acquisition through activation, engagement, usage, retention, and servicing — for both credit cards and personal loans.
• Build sophisticated automated journeys and retention programs that increase lifetime value and long-term loyalty.

Cross-Functional Partnership & Stakeholder Management

• Serve as the primary “face” of Marketing to Customer, Sales, Revenue, and Merchant teams.
• Act as the key connector between business units and our centralized functional Centers of Excellence (COEs).
• Ensure marketing efforts are deeply consumer-centric across the entire ecosystem, treating Merchants and Associates as key consumer audiences with their own needs, motivations, and journeys.

Segmentation, Personalization & Multi-Channel Execution

• Develop advanced audience segmentation, p