Senior Manager, Balance & Emerging Products

This is a fully remote position, open to applicants in United States.

📋 Description

• Assume responsibility for the business strategy related to Balance, Domestic Bill Pay, International Bill Pay, and Mobile Top-Up, collaborating closely with each product leader.

• Identify points of customer drop-off and non-adoption, working alongside product and CRM teams to mitigate friction.

• Advocate for the customer perspective in product prioritization, linking roadmap decisions to retention and ARPU results.

• Collaborate with Global CRM and Marketing to create lifecycle journeys, cross-sell initiatives, and re-engagement strategies.

• Launch Balance by establishing its business model, identifying adoption barriers, and assembling initial customer cohorts.

• Select and prioritize launch markets based on customer behaviors, competitive landscape, regulatory conditions, and service costs.

• Develop repeatable launch playbooks that encompass positioning, funding strategies, partnerships, and lifecycle messaging.

• Engage with local market leaders and Retail to utilize existing customer insights.

• Manage pricing strategies for Balance and the emerging product suite; establish and test pricing in collaboration with the Pricing team.

• Create pricing models that link adoption, retention, contribution, fee revenue, and money transfer involvement.

• Monitor competitive positioning in key markets.

• Develop frameworks for cohort retention, multi-product adoption, LTV, and ARPU segmented by market.

• Construct analytical models to establish investment priorities and determine when to cease efforts.

• Partner with Global CRM on lifecycle journeys, cross-sell campaigns, and in-app placements.

• Deliver performance insights and recommendations to senior leadership.

⛳️ Requirements

• 5-8 years of experience in consumer fintech, remittance, digital financial services, or a related consumer-focused industry.

• Proven experience taking a consumer financial product or remittance market from initial adoption to sustainable growth, with specific cohort outcomes to discuss.

• Demonstrated history of enhancing customer retention, boosting ARPU, or promoting multi-product adoption with concrete, measurable achievements.

• Background in stored value, wallets, cards, or accounts is preferred.

• Proficient in cohort analysis, LTV modeling, and engagement metrics; capable of building the analytical framework, not just interpreting dashboards.

• Skilled at identifying customer segments and product combinations that present the greatest opportunities and formulating a credible strategy to seize them.

• Effectively collaborates with product, CRM, and marketing teams without necessitating ownership of these teams.

• Capable of presenting a retention strategy to a CFO and drafting a CRM campaign brief within the same week.

🏝️ Benefits

• Competitive salary and performance-based incentives.

• Comprehensive health and wellness benefits.

• Opportunities for professional growth and development.

• Flexible work environment and schedule.