AppCard, Inc. · 2 weeks ago
Director of Card Acquisition & Lifecycle Growth
United States
Full-time
Remote
Director/Executive
5+ years expAppCard, Inc. is a technology and marketing company headquartered in Manhattan, NY. As the Director of Card Acquisition & Lifecycle Growth, you will be responsible for developing and optimizing the cardholder growth strategy, focusing on acquisition and lifecycle management across various channels.
Big DataSaaSSoftwareAnalyticsBusiness IntelligenceLoyalty Programs
No H1B
Hiring Manager
Roni Sela
Responsibilities
Develop and execute AppCard’s cardholder growth strategy across participating retailers and digital channels, with an initial emphasis on acquisition and a growing focus on activation, engagement, spend, retention, and long-term cardholder value
Own the full cardholder lifecycle funnel, including awareness, application starts, application completion, approvals, booked accounts, activation, first transaction, repeat usage, share of wallet, out-of-grocery spend, retention, and long-term cardholder value
Design and optimize acquisition and lifecycle campaigns across in-store signage, loyalty app placements, email, SMS, web, digital media, receipts, point-of-sale messaging, retailer communications, onboarding journeys, usage nudges, and spend stimulation campaigns
Develop retailer-specific acquisition playbooks that help independent grocers promote the card effectively to their shoppers
Collaborate with product, design, engineering, and compliance teams to improve the credit card application experience and reduce unnecessary funnel friction
Analyze cardholder growth performance by channel, retailer, store, campaign, audience segment, approval rate, activation rate, spend behavior, grocery versus non-grocery spend, repeat usage, retention, cost per acquired active cardholder, and lifetime value
Build and manage a testing roadmap for offers, messaging, creative, targeting, application flow, onboarding, activation, usage, retention, and spend expansion campaigns
Translate AppCard’s loyalty and shopper data into targeted card acquisition, activation, cross-spend, and retention opportunities
Partner with compliance and legal teams to ensure acquisition materials are accurate, compliant, and aligned with applicable credit card marketing requirements
Work with card program partners, including issuing bank, processor, network, and other vendors, to support acquisition campaigns and performance tracking
Develop cardholder growth strategies that balance application volume, applicant quality, approval rates, responsible lending considerations, customer experience, spend growth, retention, and long-term cardholder value
Create reporting dashboards and executive updates that communicate acquisition funnel performance, lifecycle engagement, spend behavior, key insights, risks, and recommended actions
Identify and implement strategies to improve activation, early card usage, repeat card usage, and out-of-grocery spend after approval
Support merchant-facing conversations related to card acquisition strategy, lifecycle marketing, store-level execution, cardholder engagement, and performance improvement
Stay current on credit card, fintech, retail media, grocery loyalty, co-brand acquisition, lifecycle marketing, cardholder engagement, and portfolio growth trends
Execute work requests from the Chief Growth Officer
Conduct yourself in a manner that reflects company values
Qualification
Required
A bachelor's degree in business, marketing, finance, economics, analytics, or a related field is required
A minimum of 5 years of relevant experience is required, preferably in credit card acquisition, lifecycle marketing, co-brand cards, fintech growth, banking, retail financial services, loyalty marketing, performance marketing, or card portfolio growth
Strong understanding of acquisition and lifecycle metrics, including application starts, completion rate, approval rate, booked account rate, activation rate, first purchase rate, repeat usage, spend per active account, grocery versus non-grocery spend, retention, CPA, cost per approved account, cost per active cardholder, and customer lifetime value
Proven ability to use data to identify funnel and lifecycle issues, develop hypotheses, run tests, and improve conversion, activation, engagement, spend, and retention
Experience developing marketing campaigns across digital, email, SMS, app, web, in-store, partner channels, onboarding journeys, and lifecycle marketing channels
Familiarity with credit card marketing compliance considerations, including clear offer communication, APR/reward disclosures, prescreen or prequalification language, Reg Z/TILA considerations, and UDAAP risk
Excellent communication, analytical, and problem-solving skills
Ability to collaborate effectively with product, engineering, analytics, compliance, legal, operations, merchants, and external partners
Proven ability to manage multiple workstreams in a fast-moving environment
Ability to remain focused and flexible during rapid change
Strong business judgment and ability to balance growth, customer experience, compliance, responsible lending, spend behavior, retention, and long-term program economics
Works well in a team-oriented, highly collaborative environment
Preferred
Direct experience acquiring, activating, engaging, and growing customers for a credit card, lending product, banking product, fintech product, loyalty program, or other regulated consumer financial product is strongly preferred
Experience with co-brand, private-label, retail, grocery, fuel, airline, hotel, or other partner-based card programs is highly desirable
Benefits
Stock options
Flexible working arrangements to accommodate life’s opportunities and challenges
Casual attire encouraged
Competitive salary and incentives
Choice of health, dental and vision benefits
Life insurance coverage
401(k) plan
Vacation/sick leave
Paid company holidays
Flexible Spending Account (FSA)
Health Savings Account (HSA)
Commuter benefits
Company
AppCard, Inc.
Founded in 2011 by the team behind ICQ, Dotomi and Jajah—and backed by Peter Thiel, (via Founders Fund), Eric Schmidt (via Innovation endeavors) and Jerry Yang, AppCard disrupts traditional retail sales with its global platform for data-driven marketing.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$26.5MKey Investors
Alexander Rittweger
2016-02-25Series B· $20M
2013-01-01Series A· $6.5M
Leadership Team
Yair Goldfinger
Co-Founder & CEO
Amichay Oren
Co-founder & CTO
Recent News
Company data provided by crunchbase