Senior Director, Consumer Marketing (Card + Loan Products)

About the role

We are hiring a Senior Director of Consumer Marketing to own the full-funnel marketing strategy and performance for Sunbit’s Credit Card, Personal Loans, Earned Wage Access, and Co-branded Card Programs. This is a high-impact leadership role that will define how we acquire, activate, engage, and retain customers at scale while serving as the backbone of the entire Consumer Marketing organization.

Responsibilities

• Develop and own the long-term consumer marketing strategy across Credit Cards, Loans, and co-branded programs, aligned with overall company growth targets and new brand positioning.
• Lead annual and quarterly planning processes, including forecasting, budgeting, and resource allocation to maximize ROI and P&L contribution.
• Identify new customer segments, product opportunities, and go-to-market strategies that drive sustainable, profitable growth.
• Lead the strategy and execution of large-scale pre-screen acquisition, invitation-to-apply (I2A), and direct mail campaigns.
• Design and optimize high-performing multi-channel acquisition programs that deliver efficient growth while maintaining strong credit quality.
• Own the end-to-end customer journey — from acquisition through activation, engagement, usage, retention, and servicing — for both credit cards and personal loans.
• Build sophisticated automated journeys and retention programs that increase lifetime value and long-term loyalty.
• Serve as the primary “face” of Marketing to Customer, Sales, Revenue, and Merchant teams.
• Act as the key connector between business units and our centralized functional Centers of Excellence (COEs).
• Ensure marketing efforts are deeply consumer-centric across the entire ecosystem, treating Merchants and Associates as key consumer audiences with their own needs, motivations, and journeys.
• Develop advanced audience segmentation, personalization strategies, and omnichannel campaigns (email, direct mail, and emerging channels).
• Partner with Creative, Product, and Analytics teams to continuously test, iterate, and improve messaging, offers, and customer experience.
• Define, track, and optimize key KPIs across the full consumer marketing funnel (CAC, activation, spend velocity, retention, LTV, ROI).
• Deliver actionable insights and strategic recommendations that directly influence product decisions, budget allocation, and go-to-market priorities.
• Ensure all programs meet the highest standards of regulatory compliance, brand voice, and customer experience in a highly regulated financial services environment.
• Play a key role in shaping and scaling the broader Consumer Marketing organization, including building and mentoring high-performing teams and establishing best-in-class processes.

Qualifications

• 12+ years of progressive experience in acquisition and lifecycle marketing, with at least 5 years in a Director+ leadership role.
• Proven track record leading and scaling credit card, consumer lending, or financing marketing programs in fintech, financial services, or another regulated industry.
• Strong business strategy acumen — ability to translate company objectives into marketing strategy, planning, and P&L impact.
• Deep operational experience building and optimizing marketing processes, workflows, and MarTech ecosystems (Iterable strongly preferred).
• Expertise in direct mail execution, working with major credit bureaus, advanced segmentation, and performance marketing.
• Hands-on leader with exceptional analytical skills, a compliance-first mindset, and obsessive attention to detail.
• Excellent cross-functional collaborator who can influence without authority and build strong partnerships with Product, Analytics, Finance, Operations, Sales, Revenue, and Merchant teams.

Pay

We are targeting a base salary of $190,000 - $225,000 per year for this role. This role will also be granted company equity via stock options.

Schedule

Hybrid; 3 days in office