User Operations Lending Manager

Role Summary The Lifecycle Operations Manager is responsible for driving user lifecycle performance across lending products through data-driven operations, user segmentation, retention strategies, and cross-product collaboration. This role focuses primarily on maximizing the value of existing users, improving retention, re-borrowing, engagement, and lifecycle conversion across the Quantix lending ecosystem, including products such as CashNow, SNPL, and Easy Cash. The role will also support cross-product user growth initiatives and ecosystem traffic collaboration (e.g., BOTIM ecosystem traffic and internal cross-sell opportunities), while paid acquisition and advertising performance will remain primarily owned by the Growth team. Responsibilities - User Lifecycle Operations & Retention - Develop and optimize lifecycle strategies to improve user activation, retention, re-borrowing, and long-term user value (LTV). - Design operational strategies for onboarding, repayment engagement, repeat borrowing, and user reactivation. - Improve user engagement and reduce churn through targeted operational initiatives and personalized communication strategies. - User Segmentation & Targeted Operations - Design and maintain user segmentation frameworks based on lifecycle stage, behavior, engagement level, and risk profile. - Translate segmentation insights into operational strategies for different user groups. - Collaborate with Risk, Marketing, Customer Service, and Product teams to deliver targeted lifecycle operations and communication strategies. - Cross-product Growth & Ecosystem Collaboration - Drive cross-sell and user migration strategies across Quantix lending products, including CashNow, SNPL, and Easy Cash. - Identify opportunities to improve user conversion between products based on user behavior and lifecycle stage. - Collaborate with BOTIM ecosystem teams to explore ecosystem-based traffic and lending growth opportunities. - Funnel Optimization & User Experience Improvement - Analyze user journeys and identify operational or product friction points impacting lifecycle conversion and re-borrowing. - Work with Product and Tech teams to optimize key user flows and improve conversion across lending funnels. - Support A/B testing initiatives related to retention, lifecycle conversion, and user engagement. - Data Analysis & Performance Tracking - Monitor and analyze key metrics such as retention rate, re-borrowing rate, lifecycle conversion, user engagement, and LTV. - Build dashboards and cohort analysis frameworks to track user performance across different segments and products. - Translate business targets into actionable operational initiatives and measurable experiments. - Cross-functional Collaboration & Project Management - Coordinate across Product, Risk, Marketing, Data, Tech, and Customer Service teams. - Drive execution of lifecycle operation and cross-product growth initiatives to ensure measurable business impact. Requirements 4–6 years of experience in user operations, lifecycle operations, growth operations, product operations, or related roles. - Experience in fintech, lending, consumer internet, or ecosystem-based products is preferred. Skills - Strong analytical capability (SQL required; Python is a plus). - Hands-on experience in lifecycle management, retention operations, cohort analysis, and segmentation strategies. - Understanding of lending-related user behavior and operational metrics. - Strong project management and cross-functional communication skills. - Business-oriented mindset with strong ownership and execution capability.

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