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Business Director/Sr. Director, Credit Cards

Company: Oportun
Location: San Carlos
Posted on: February 25, 2021

Job Description:

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  • California loans made pursuant to a California Financing Law license.
  • New Jersey residents: This is an advertisement for a consumer loan.
  • New Mexico residents: To report a problem or complaint with this lender, you may write or call: Reese Willard, Sr. Manager, Customer Experience, Oportun, PO Box 4085, Menlo Park, CA 94026. 888-408-3020 complaints@oportun.com This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the Division by telephone at 505-476-4885 or visit the website. The Ventiva-- prepaid Visa card is issued by MetaBank--, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Oportun's website terms, privacy, and security policies don't apply to outside sites we reference. Please review those websites for their terms, privacy, and security policies to see how they apply to you. While a prior credit history is not required to qualify, Oportun will request and consider consumer credit reports for all applicants. Oportun reports account payment history to nationwide credit bureaus. Loans subject to credit approval. Terms may vary by applicant and state and are subject to change. Personal loans: The maximum loan amount varies by state, and loans above $6,000 are available to qualified returning customers only. California residents who meet our credit requirements but who do not meet certain state law requirements for a loan less than $2,500 may only be offered a loan of $2,500 or more. Auto loans: To qualify for an auto purchase loan, you must be at least 18 years old, not have an active Oportun loan, and reside in California. Additional conditions may apply such as vehicle make, age, and mileage. OportunPath: For top up coverage, the checking account you link must meet income and eligibility requirements as we determine from time to time. Top up coverage is not guaranteed. Oportun: The True Cost of a Loan: Based on research commissioned by Oportun and conducted by theFinancial Health Network (FHN), the total savings number equals the difference between the average cost of other widely available alternative lending products that customers may have used and the average cost of an Oportun loan of the same amount, multiplied by Oportun first-time borrowers. FHN analyzed the rates, fees, and terms for payday, pawn, auto-title, installment, and rent-to-own products for customers in Arizona, California, Florida, Illinois, Nevada, New Mexico, Texas, and Utah and calculated the total cost of those products for common loan amounts. FHN considered the loan repayment structure and time frame for each product, borrower income, the potential for rollovers and refinancings, and legal parameters that prevent or constrain borrowing. Oportun updates the model quarterly to calculate the total amount that Oportun first-time borrowers have saved since 2006 in interest and fees compared to the alternative products. The actual savings for each customer will vary based on specific loan terms and alternative products available in your area. Careers - Progreso Financiero - Business Director/Sr. Director, Credit Cards in San Carlos, California - Careers at Oportun San Carlos HQ Skip to Main Content Please Enable Cookies to Continue Please enable cookies in your browser to experience all the personalized features of this site, including the ability to apply for a job. Welcome page Welcome page Returning Candidate? Log back in! Business Director/Sr. Director, Credit Cards Req No. 2020-9761 Department Credit Cards Type Regular Full-Time Job Locations US-CA-San Carlos Company Overview ABOUT OPORTUN Based in Silicon Valley, Oportun (Nasdaq:OPRT) is dedicated to financial inclusion for the estimated 100 million people in the U.S.--who are shut out of the financial mainstream because they don't have a credit score or have been mis-scored by a traditional credit bureau. As a Community Development Financial Institution (CDFI), Oportun's mission is to provide inclusive, affordable financial services that empower its customers to build a better future. Since our first loan in 2006, Oportun has made over 3.8--million loans totaling over $9--billion to customers across--12--states.--Oportun's customers have saved an estimated $1.7 billion in interest and fees compared to the alternatives typically available to them. Oportun has helped more than 860,000 people establish a credit history for the first time. Oportun was named one of Fast Company's Most Innovative Companies in the World for 2020, a TIME Magazine 2018 Genius Company in recognition of its impact in helping to reinvent the future of--lending. Oportun was recently named one of the Top Workplaces for 2019 and--2020 by the Bay Area News Group and recognized as the Best Consumer Lending Product by FinTech Breakthrough. Oportun previously made several fastest-growing lists, including Inc. 5000's Fastest-Growing Private Companies in America and the San Francisco Business Times' Fastest Growing Private Companies. Overview SUMMARY The Business Director Credit Card is responsible for defining and executing the growth strategy for the credit card line of business. Credit Cards are Oportun's next step to provide a full suite of financial services to consumers with limited credit history. You will drive the growth of the business by launching the digital, media, partnerships, and retail acquisition channels, among others. You will be accountable for allocating marketing spend and meeting customer growth targets working closely with Oportun's Marketing and Credit teams. You will have a leading role directing the evolution of the value proposition and product suite design. This is an exciting opportunity in a fast-paced organization where your contributions will have a meaningful impact on broadening access to financial products for consumers with little or no credit history. Responsibilities
    • Accountable leader for credit card customer growth and marketing
    • Develop marketing ROI model to inform marketing investments, funnel KPIs, and growth scenarios
    • Stand up a robust growth data program enabling analysis of user behavior, A/B testing, and incentives
    • Lead the strategy and execution of credit card digital, media, partnership and retail acquisition channels
    • Meet customer acquisition, growth, and retention targets
    • Execute a well-designed learning agenda and product roadmap
    • Track and analyze the performance of multi-channel growth campaigns
    • Own the evolution of the credit card value proposition, product suite design, and pricing strategy
    • Inform product design, segmentation, and messaging by bringing to life the needs and behaviors of the target audience though customer empathy insights and quantitative research
    • Conduct competitive and industry research to inform pricing and product positioning
    • Partner with marketing, credit analytics, engineering, design, product management, and operations to define and execute high impact growth strategies and funnel improvements across channels
    • Work closely with the marketing team to uncover, initiate, and improve full customer lifecycle marketing
    • Hire a team of growth analysts to scale the business DESIRED SKILLS & EXPERIENCE
      • Expert in customer acquisition analytics and product-market fit dynamics
      • Proven track record of driving step-change leaps in customer acquisition
      • Strong quantitative orientation enabling data-driven decision making
      • Deep knowledge of direct and digital marketing strategies and channel tactics
      • Creative thinker with a sensibility for uncovering customer needs and delivering compelling solutions
      • Clear results orientation with an intense focus on achieving both short and long term goals
      • Highly collaborative with experience hiring, organizing, and leading effective teams
      • Excellent written and oral communication skills
      • Advanced Microsoft Excel, PowerPoint, and SQL skills
      • Comfortable in a high-growth, fast-paced, agile environment
      • High integrity and intellectual curiosity, with a mindset to challenge the status quo
      • Humble leader who takes personal ownership of high impact initiatives Qualifications
        • 7+ years of growth and consumer product management experience
        • 3+ years of digital growth marketing and analytics experience in credit cards or consumer fintech
        • 3+ years of experience hiring, managing, and developing top talent
        • Bachelor's degree in quantitative discipline, MBA or other advanced degree preferred
        • Spanish proficiency preferred #IND #LI-DH1 Options Apply for this job online Apply Share Refer a friend to this job Refer Sorry the Share function is not working properly at this moment. Please refresh the page and try again later. Share on your newsfeed Loading...
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          Oportun is committed to providing reasonable accommodations for qualified individuals with disabilities in our job application process. Applicants in need of special assistance or accommodation during the application or interview process or in accessing our website may contact us by sending an email to talent@oportun.com . Please include your name and preferred method of contact in your email. Please also note that this email address is for requests for assistance only and not for the submission of applications or resumes, which will not be considered through this channel.

          Oportun is proud to be an Equal Opportunity Employer and will consider all qualified applicants for employment without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other protected category. We will also consider all qualified applicants with criminal histories consistent with the requirements of the San Francisco Fair Chance Ordinance, the Los Angeles Fair Chance Initiative for Hiring Ordinance and any other applicable federal, state or local law.

          Oportun participates in the U.S. Department of Homeland Security E - Verify program in all facilities in the United States. E-Verify is an internet-based system operated by the Department of Homeland Security and the Social Security Administration and allows employers to confirm an individual's employment eligibility to work in the United States.

          California Consumer Privacy Notice: Applicant

          Last updated: 12/31/2019

          Oportun cares about your personal information and maintaining the security of it. All California consumers have rights under the California Consumer Privacy Act to know the categories of personal information Oportun collects about you and purposes for which we use this information. As a result of applying for employment with Oportun, we may collect the following information about you:
        • Personal identifiers, such as name, address, telephone number, email address, identification number and other application information to facilitate the hiring process and evaluate you for open positions we have
        • Information derived from the application process including financial information, references, contact information and background checks
        • References and other contact information used to review your application
        • Inferences drawn from any of the interviews we conduct relating to your application for employment
          Please visit Oportun.com/privacy for more information on how we collect and protect your personal information. Empleador de Igualdad de Oportunidades de Empleo: Somos un empleador de igualdad de oportunidades de empleo. No discriminamos a base de sexo, g--nero, raza, color, religi--n, credo religioso, edad, origen nacional, ascendencia, discapacidad f--sica, discapacidad mental, condici--n m--dica, embarazo, informaci--n gen--tica, estado civil, orientaci--n sexual, identidad de g--nero, expresi--n de g--nero, estado militar y de veterano, estado de v--ctima de crimen, o por cualquier otra categor--a protegida. Las Compa----as Darden est--n sujetas a las disposiciones de la Ley de Compensaci--n de Trabajadores del estado residente y proporcionan cobertura a todos los miembros de personal.

          Oportun participa en el programa "E-Verify" del Departamento de Seguridad Nacional de los EE.UU. en todos los centros de los Estados Unidos. "E-Verify" es un sistema por Internet operado por el Departamento de Seguridad Nacional y la Administraci--n del Seguro Social que permite que los empleadores confirmen si una persona es elegible para trabajar en los Estados Unidos.

          Aviso sobre privacidad del consumidor de California: Solicitante

          --ltima actualizaci--n: 12/31/19

          Oportun se preocupa por tu informaci--n personal y por mantener su seguridad.Todos los consumidores de California, seg--n la Ley de privacidad del consumidor de California, tienen derecho a conocer las categor--as de informaci--n personal que Oportun recopila sobre ti y los prop--sitos para los cuales utiliza dicha informaci--n.Como consecuencia de haberte postulado para un empleo con Oportun, podemos recopilar los siguientes datos sobre ti:
          • Datos que te identifiquen, como nombre, direcci--n, n--mero de tel--fono, direcci--n de correo electr--nico, n--mero de identificaci--n y dem--s datos de la solicitud para facilitar el proceso de contrataci--n y evaluarte para los puestos vacantes que tengamos
          • Informaci--n derivada del proceso de solicitud, como informaci--n financiera, referencias, informaci--n de contacto y verificaciones de antecedentes
          • Referencias y dem--s datos de contacto utilizados para revisar tu solicitud
          • Conclusiones provenientes de cualquiera de las entrevistas que llevemos a cabo en relaci--n con tu solicitud de empleoVisita Oportun.com/privacy para obtener m--s informaci--n sobre c--mo recopilamos y protegemos tu informaci--n personal.
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Keywords: Oportun, San Francisco , Business Director/Sr. Director, Credit Cards, Executive , San Carlos, California

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