Head of Growth

CredPal (YC W19)

Marketing & Communications

CredPal is a leading financial technology company that offers a comprehensive range of financial solutions, including credit cards and investment opportunities, to empower individuals. Our mission is to revolutionize access to credit and investment, enabling individuals to take charge of their financial well-being.

Job Title: Head of Growth

Job Type: Full Time/Hybrid

Level: Senior

Purpose Statement

We are seeking an innovative and results-driven Head of Growth to lead CredPal’s aggressive revenue expansion across all retail and business verticals. Your mission is singular; everything you do must directly add to the bottom line . In this role, you will design, execute, and optimize integrated growth strategies that convert into real, measurable revenue. You will drive customer acquisition, activation, retention, and monetization at scale , with a relentless focus on high-impact actions that strengthen CredPal’s dominance in consumer credit, FX, and cross-border payments .

Responsibilities

Growth Strategy & Revenue Leadership

• Own the end-to-end growth roadmap for CredPal’s retail and business products.
• Develop and execute integrated sales and marketing strategies to acquire, activate, and retain customers.
• Identify high-impact market penetration opportunities and lead rapid execution to capture them.
• Align all growth initiatives with revenue KPIs , ensuring every campaign drives measurable financial returns.
  

Multi-Channel Acquisition & Conversion

• Plan, launch, and optimize multi-channel campaigns across digital (social media, search, display, email) and offline activations.
• Drive conversion rate optimization (CRO) across landing pages, app onboarding flows, email campaigns, and sales funnels.
• Collaborate with sales, product, and marketing teams to refine positioning, messaging, and offers for maximum customer uptake.
• Lead aggressive credit card, business credit, and FX product adoption campaigns .
  

Commercial & Monetization Performance

• Achieve and exceed monthly credit disbursement, FX transaction volume, and GMV targets .
• Improve credit utilization rates and repayment performance to maintain healthy portfolio quality.
• Build monetization levers around transaction fees, FX margins, and value-added services.
  

Data-Driven Execution & Optimization

• Leverage analytics to segment audiences , personalize campaigns, and drive targeted engagement.
• Run growth experiments ( A/B tests, creative trials, channel variations ) to identify and scale winning tactics.
• Monitor and optimize CAC, LTV, ROI, and churn across all campaigns.
  

Partnerships & Market Expansion

• Explore co-marketing and sponsorship opportunities for accelerated brand and revenue growth.
• Lead market expansion strategies into new customer segments and geographies.
  

Team & Stakeholder Leadership

• Lead a cross-functional growth team covering sales, marketing, partnerships, and analytics.
• Drive a performance-obsessed culture where targets are not just met, but exceeded.
• Ensure clear KPI ownership across all growth functions.
  

Key KPIs

• Revenue Growth: Monthly & quarterly revenue targets achieved/exceeded.
• Customer Acquisition: Number of new retail and business customers onboarded.
• Activation Rate: % of customers completing their first transaction within 7 days.
• Credit Disbursement: Monthly disbursement volume for consumer and business credit.
• FX Volume: USD wallet, card, and FX transaction volume growth.
• Retention Rate: % of active customers month-on-month.
• CAC vs LTV: Positive and improving ROI on acquisition spend.
• GMV Growth: Total transaction value processed across all channels.
  

Requirements

• Bachelor’s degree in Marketing, Business Administration, or a related field. A Master’s degree is a plus.
• Proven success in driving revenue growth in a fintech, payments, lending, or high-growth tech company.
• Strong background in sales-led growth, performance marketing, and customer lifecycle optimization.
• Deep understanding of credit products, FX, and cross-border payments.
• Strong knowledge of digital marketing strategies, including SEO, SEM, email marketing, and paid social advertising.
• Experience with data analysis tools like Google Analytics, Mixpanel, or Tableau, and familiarity with A/B testing frameworks.
• Exceptional data-driven decision-making and analytical skills.
• Excellent project management skills with the ability to manage multiple priorities simultaneously.
Exceptional communication and interpersonal skills for collaboration across teams and external partners.

Benefits

• Professional development opportunities and career growth.
• A collaborative and inclusive work culture that fosters innovation.
• Opportunity to work with cutting-edge products and technologies.
Supportive and approachable management team dedicated to your success.

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