Associate Director - Growth & Retention

About Snapmint:

India's booming consumer market has over 300 million credit-eligible consumers, yet only 35million actively use credit cards. At Snapmint, we are building a better alternative to credit cards that lets consumers buy now and pay later for a wide variety of products, be it shoes, clothes, fashion accessories, clothes or mobile phones. We firmly believe that an enduring financial services business must be built on the bedrock of providing honest, transparent and fair terms.

Founded in 2017, today we are the leading online zero-cost EMI provider in India. We have served over 10M consumers across 2,200 cities and are doubling year on year. Our founders are serial entrepreneurs and alumni of IIT Bombay and ISB with over two decades of experience across leading organizations like Swiggy, Oyo, Maruti Suzuki and ZS Associates before successfully scaling and exiting businesses in patent analytics, ad-tech and bank-tech software services.

Role Overview

As Senior Manager / Associate Director – Growth & Retention, you will own the full lifecycle P&L—from activation to repeat behaviour to reactivation—and lead a multidisciplinary team of 12–15 across analytics, CRM, campaign operations, personalisation, and rewards. This is a function-head role. You will set strategy, manage a significant incentive budget, and represent Growth & Retention in leadership forums.

Responsibilities

● Full Lifecycle P&L: CLTV, contribution margin, incentive budget allocation, and ROAS across all customer segments and product lines.

● Activation: Turn new users (especially checkout-origin) into first-time transactors on Snapmint; drive app adoption and reduce time-to-first-purchase.

● Deepening Engagement: Build the repeat flywheel—cross-sell across marketplace, vouchers, personal loans, and recharges; increase multi-product adoption.

● Retention & Reactivation: Prolong active lifespan, predict and reduce churn, run winback campaigns with documented payback periods.

● Rewards & Loyalty: Oversee the rewards programme as an integrated lifecycle lever—merchant partnerships, unit economics, and programme ROI.

● Team & Organisational Leadership: Build, mentor, and scale a high-performing team; set quarterly priorities; be the executive stakeholder for the CRM/engagement tech stack

Qualifications:

● 7+ years of experience, with 4+ years in lifecycle/CRM/growth at a consumer internet or fintech company.

● 3+ years of people management—you've led and developed teams during high-growth phases.

● Proven P&L ownership—you've been accountable for a lifecycle or retention budget and its economic outcomes, not just engagement metrics.

● Strong analytical foundation: SQL, Python, CLTV/RFM modelling, A/B testing, and cohort economics.

● Hands-on familiarity with CRM platforms (CleverTap, MoEngage, or similar) and multi-channel campaign design (push, WhatsApp, SMS, email, IVR).

● Exposure to rewards or loyalty programme mechanics is a strong plus.

● A leader who sets the agenda, makes decisions with margin and payback in mind, and drives cross-functional influence with Product, Credit, and Data Science.