[Remote] Director of Card Acquisition & Lifecycle Growth

Note: The job is a remote job and is open to candidates in USA. AppCard, 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.ResponsibilitiesDevelop 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 valueOwn 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 valueDesign 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 campaignsDevelop retailer-specific acquisition playbooks that help independent grocers promote the card effectively to their shoppersCollaborate with product, design, engineering, and compliance teams to improve the credit card application experience and reduce unnecessary funnel frictionAnalyze 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 valueBuild and manage a testing roadmap for offers, messaging, creative, targeting, application flow, onboarding, activation, usage, retention, and spend expansion campaignsTranslate AppCard’s loyalty and shopper data into targeted card acquisition, activation, cross-spend, and retention opportunitiesPartner with compliance and legal teams to ensure acquisition materials are accurate, compliant, and aligned with applicable credit card marketing requirementsWork with card program partners, including issuing bank, processor, network, and other vendors, to support acquisition campaigns and performance trackingDevelop cardholder growth strategies that balance application volume, applicant quality, approval rates, responsible lending considerations, customer experience, spend growth, retention, and long-term cardholder valueCreate reporting dashboards and executive updates that communicate acquisition funnel performance, lifecycle engagement, spend behavior, key insights, risks, and recommended actionsIdentify and implement strategies to improve activation, early card usage, repeat card usage, and out-of-grocery spend after approvalSupport merchant-facing conversations related to card acquisition strategy, lifecycle marketing, store-level execution, cardholder engagement, and performance improvementStay current on credit card, fintech, retail media, grocery loyalty, co-brand acquisition, lifecycle marketing, cardholder engagement, and portfolio growth trendsExecute work requests from the Chief Growth OfficerConduct yourself in a manner that reflects company valuesSkillsA bachelor's degree in business, marketing, finance, economics, analytics, or a related field is requiredA 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 growthDirect 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 preferredStrong 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 valueProven ability to use data to identify funnel and lifecycle issues, develop hypotheses, run tests, and improve conversion, activation, engagement, spend, and retentionExperience developing marketing campaigns across digital, email, SMS, app, web, in-store, partner channels, onboarding journeys, and lifecycle marketing channelsFamiliarity with credit card marketing compliance considerations, including clear offer communication, APR/reward disclosures, prescreen or prequalification language, Reg Z/TILA considerations, and UDAAP riskExcellent communication, analytical, and problem-solving skillsAbility to collaborate effectively with product, engineering, analytics, compliance, legal, operations, merchants, and external partnersProven ability to manage multiple workstreams in a fast-moving environmentAbility to remain focused and flexible during rapid changeStrong business judgment and ability to balance growth, customer experience, compliance, responsible lending, spend behavior, retention, and long-term program economicsWorks well in a team-oriented, highly collaborative environmentExperience with co-brand, private-label, retail, grocery, fuel, airline, hotel, or other partner-based card programs is highly desirableBenefitsA world-class manager who cares about you and will invest in your professional developmentStock optionsAn informal, meritocratic environment focused on results, not politicsFlexible working arrangements to accommodate life’s opportunities and challengesCasual attire encouragedCompetitive salary and incentivesChoice of health, dental and vision benefitsLife insurance coverage401(k) planVacation/sick leavePaid company holidaysFlexible Spending Account (FSA)Health Savings Account (HSA)Commuter benefitsCompany OverviewFounded 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. It was founded in 2011, and is headquartered in New York, New York, USA, with a workforce of 51-200 employees. Its website is http://appcard.com.