Happy Money

Head of Lifecycle Marketing

Remote, USA · Exec · Full-time

Sponsorship not specified$155k-$220kDetected 43 days ago

Data ScienceAgentic AIA/B TestingHubSpotCRMGrowth MarketingLead GenerationCadenceCommunication

About the role

This role will evolve Happy Money's business to a point where the initial loan isn't the last thing we do for a borrower.
We view the payoff moment as the start of a relationship, not a single transaction.

Treat LTV, repeat-borrow rate, and portfolio yield as the P&L levers they are. Own them as primary metrics, connect them to CAC and funnel economics with Finance and Credit & Risk, and make the trade-offs that actually move performance.
Own lifecycle activation for new products (marketplace relaunch, deposit and partner cross-sell), run the lifecycle stack across HubSpot (post-SFMC migration), and apply AI for next-best-action, propensity scoring, and journey optimization where it earns its place.
Optimize acquired leads across Happy Money and partner products.
Own lead scoring, qualification frameworks, and routing logic - ensuring the right prospects reach the right journeys at the right time.
Integrate predictive data signals into lead prioritization and channel optimization.
Drive a disciplined operating cadence with weekly/monthly reviews, budget pacing, and quarterly LTV/retention/repeat-origination forecasts.
Turn routine servicing touch points into brand and growth moments (reminders, milestones, payoff celebrations) with Communications, Servicing, Product, and CX, while protecting attribution, tracking, and dashboard integrity building trust in the numbers.
Build the capability, then the team.

8+ years in lifecycle, CRM, retention, or growth marketing, with meaningful time in lending or fintech (personal lending, credit cards, or mortgage preferred)
Owned an LTV or retention strategy and tactics, not just campaign delivery, and know how the business makes money well enough to treat repeat-borrow rate and portfolio yield as P&L levers
Track record running rigorous experiments (holdouts, multivariate, incrementality) and acting on the results
Hands-on with modern lifecycle tooling (automation, email/SMS/in-app/push, journey orchestration) and comfortable operating through platform transitions (we're mid-migration to HubSpot)
Anticipate where the market and portfolio are heading and translate it into credible strategy, with a defensible point-of-view
Reframe the payoff moment, a natural exit, into our most valuable re-engagement event.

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions.
Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence.
Happy Money's end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management.
Together with its lending partners, Happy Money has originated more than $6.5 billion in loans to help nearly 350,000 people take greater control of their financial futures.
Learn more at happymoney.com.
Happy Money is a 100% fully distributed company.
Remote work doesn't mean less work, we work full-time jobs and show up to them fully every day.
To learn more about our values and the way we work, review our Happy Money Way Overview!
Operate first as a force multiplier across analysts, data scientists, martech/agency partners, and AI agents, knowing when to leverage each, then stand up and lead the lifecycle team as scope expands, holding a high bar for talent and for what reaches customers.

This listing is sourced directly from Happy Money's careers page and normalized into a canonical job model.