Director, Credit-Based Marketing

Company Description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner. 

Job Description

Effectively identifying and targeting clients to present customers with the most compelling and appropriate offer is central to our success.  Whether through client partnerships, referrals from aggregators, social media advertising, email, or direct mail marketing, being able to identify prospects and gather accurate data to determine the right product/rate/offer combination is crucial.

We are seeking a technically-inclined, hands-on leader to drive growth in our Credit-Based Marketing programs. To be successful, you should have deep expertise in running prescreen direct mail programs and experience in optimizing credit-based programs at marketplace partners such as Credit Karma Lightbox and Experian Activate. You are not just a strategist; you are a practitioner who is analytically rigorous and adept at translating data-driven plans into flawless execution. You are highly effective at bridging gaps within large, cross-functional groups to find common ground and drive clarity across teams. 

You have deep knowledge working with the credit bureaus and with credit data, so you can speak the same language as our credit risk and underwriting partners.  You are accustomed to working closely with internal and external partners to define business and technology needs in support of data-driven strategies.

Responsibilities

• Strategy & Execution: Define and execute the credit-based marketing strategy to leverage credit, customer, and alternative data to market the right product to the right person at the right time.
• Direct Mail Ownership: Define strategy, devise appropriate targeting and creative strategies, and manage P&L performance of the Direct Mail acquisition channels.
• Hands-on Analysis: Independently perform deep-dive campaign analysis; Comfortable pulling data, attribute performance, and identifying optimization opportunities.
• Marketplace Optimization: Drive the adoption, growth, and optimization of credit-based acquisition strategies at key marketplace partners (e.g., Lightbox) and D2C channels.
• Program Sustainability: Establish and maintain a sustainable, profitable DM program to supply the leads necessary to fuel aggressive growth objectives.
• Technical Collaboration: Partner with the Product team to define a streamlined user acquisition path for pre-screened customers and work with Credit Risk to ensure alignment of underwriting criteria.
• Innovation: Explore mechanisms to reduce cycle times and the cost of direct mail while remaining responsive to business lead demand.
• Cross-Functional Leadership: Collaborate with data science, underwriting, marketing, and sales teams to drive improvements in credit-based targeting models by testing data enhancements and data sources.

Qualifications

Requirements

• Experience: A minimum of seven years in marketing, risk, analytics, and/or product, with hands-on experience growing high-volume, high-frequency direct marketing campaigns for financial products
• Business Acumen: Strong business sense coupled with outstanding project management and communication skills
• Bureau Expertise: Deep experience working directly with credit bureaus and/or credit-based lenders or lending marketplaces
• Data Fluency: Demonstrated depth of knowledge in the credit-based data environment, specifically using credit and alternative data to develop targeting strategies and marketing campaigns
• Technical Mastery: Proficient in SQL, Python, or other coding languages to conduct independent, granular campaign analysis
• Mindset: A "can-do" attitude with a passion for achieving result