User Operations Lending Manager

Astra Tech; Abu Dhabi; On-site; AED 240,000 - 320,000; Full time

Job summary

Astra Tech in Abu Dhabi is seeking a Lifecycle Operations Manager to drive user lifecycle performance across lending products such as CashNow, SNPL, and Easy Cash, using data‑driven operations, segmentation, and retention strategies.

You will collaborate across Risk, Marketing, Product, and Data teams to optimize onboarding, activation, re‑borrowing, and lifecycle conversion, while supporting cross‑product growth and ecosystem collaborations within the Quantix lending ecosystem.

Qualifications

• 4–6 years of experience in user/Lifecycle operations or growth ops.
• Experience in fintech, lending, or ecosystem-based products preferred.
• Proficient in SQL; Python is a plus.

Responsibilities

• Develop and optimize lifecycle strategies to boost activation, retention, and re-borrowing.
• Design and maintain user segmentation frameworks for activation and engagement.
• Collaborate with Risk, Marketing, Product, and Data teams to drive cross‑product growth.
• Analyze funnels and performance metrics; build dashboards and cohorts.
• Lead cross-functional projects and ensure timely delivery of lifecycle initiatives.
• Support ecosystem traffic initiatives with internal teams.

Skills

SQL

Python

Lifecycle management

Retention ops

Cohort analysis

Segmentation

Lending metrics

Project management

Cross-functional communication

Ownership & execution

Job description

Overview

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.