Role Overview

Own the strategy and roadmap for the full customer journey
activation, engagement, retention, referral, and reactivation
across in-product experiences and lifecycle messaging (email, push, in-app, sms)
Define the north star and input metrics for growth and lifecycle, and continuously optimize for measurable, incremental impact on revenue, retention, and LTV
Partner with Engineering, Design, and Marketing to ship growth and lifecycle work as first-class product investments, not one-off campaigns
Identify and prioritize the highest-leverage opportunities across the funnel, sequencing bets between in-product changes, lifecycle programs, and acquisition/conversion surfaces
Audit and evolve existing lifecycle programs across email, push, in-app, and sms messaging
to improve onboarding, engagement, retention, cross-sell, and reactivation
Design and scale event-driven, behavior-triggered lifecycle programs tightly integrated with product events and user state
Build and maintain a modular email design system / component library, leveraging AI tools to increase speed and quality
Define segmentation and personalization strategy across the lifecycle, grounded in user behavior and predicted value
Own conversion rate optimization across web/app acquisition flows, onboarding, lifecycle messaging, and key in-product moments
Define the experimentation framework: hypothesis generation, prioritization, test design, sample sizing, readouts, and documented learnings
Build a durable backlog of growth experiments and ensure learnings compound across the team
Explore and ship AI-powered workflows and proactive messaging agents to improve personalization, cross-sell, product discovery, and re-engagement
Use AI to accelerate research, segmentation, copywriting, creative iteration, and analysis
treating it as a core capability, not a buzzword
Push the boundaries of what a small growth and lifecycle team can do when AI is deeply embedded in the workflow
Partner closely with Product and Engineering to ensure growth and lifecycle work is treated as core product surface area
Work with Engineering to instrument events cleanly, define metrics, and build the analytics foundation the function needs
Coordinate with Design, CX, and Marketing on messaging, brand consistency, and customer-facing voice

Requirements

4+ years or equivalent depth of experience in product management, growth, CRO or lifecycle/CRM roles in a high-growth consumer or fintech environment
Track record of shipping measurable wins across activation, retention, monetization, or reactivation
Strong product sense: can move fluidly between strategy, roadmap, spec-writing, and hands-on execution
Comfortable with event-driven systems, product analytics tools, and modern lifecycle / CRM platforms
Intermediate SQL proficiency and confidence designing and reading experiments
Technically curious: comfortable with HTML-based email systems, component-driven frameworks, and willing to learn fast
Strong written communication
you can write crisp specs, clear customer-facing copy, and concise experiment readouts
Bonus: experience managing or contributing to marketing automation migrations or major tooling evolutions
Bonus: experience standing up a growth or lifecycle function from scratch.

Tech Stack

Benefits

Direct impact on millions of people's ability to access credit
High ownership with minimal bureaucracy
Speed, learning, and impact are core values

Kovo

Open Positions (1)

Product

Product Growth & Lifecycle, 2nd Hire