Associate Director - Growth & Retention

Snapmint; Bengaluru; On-site; INR 3,500,000 - 5,500,000; Full time

Benefits offered by this job

Be Part of a 10X–100X Journey

Move Fast, Build Fast

Grow with Snapmint

Own the Outcome

Job summary

Snapmint in Bengaluru is seeking an Associate Director – Growth & Retention to own full lifecycle P&L from activation to reactivation and lead a 12–15 member team across analytics, CRM, and campaigns. You will set strategy, manage a large incentive budget, and represent Growth & Retention in leadership forums, driving multi‑product adoption and reducing churn in a fast‑growing fintech environment.

Work from office 5 days a week, with close collaboration across Product, Credit, and Data Science

Qualifications

• 7+ years in lifecycle/CRM/growth at a consumer internet or fintech company.
• 3+ years people management in high-growth settings.
• Proven P&L ownership with lifecycle or retention budget outcomes.
• Strong analytics: SQL, Python, CLTV/RFM, A/B testing, cohort economics.
• Hands-on with CRM platforms and multi-channel campaigns.

Responsibilities

• Own full lifecycle P&L: CLTV, margins, incentive budgets, ROAS across segments.
• Activate new users into first-time transactors; drive app adoption.
• Deepen engagement: cross-sell, vouchers, loans, recharges; boost multi-product adoption.
• Retain & reactivate: reduce churn; run winback campaigns with payback metrics.
• Oversee rewards/loyalty: partnerships, unit economics, ROI.
• Lead and scale a high-performing team; align with Product, Credit, Data Science.

Skills

Lifecycle Marketing

CRM Tools

P&L Ownership

Analytics

A/B Testing

Cohort Economics

SQL

Python

Multi-channel Campaigns

Team Leadership

Strategic Influence

Tools

CleverTap

MoEngage

Job description

Founded by IIT Bombay alumni (Nalin Agrawal, Anil Gelra, Abhineet Sawa), Snapmint is building India’s most loved payment brand. We pioneered Pay in 3 through UPI and are also home to India’s leading 0% EMI e commerce app — giving millions of Indians the freedom to shop now and pay in monthly instalments, with no extra cost and no credit card required.

Today, Snapmint has crossed 50M+ app downloads and is the preferred payment partner for 2,000+ leading consumer brands, including Zepto, ixigo, Adani, District Store, Titan and many more. We’re on a mission to make fair, transparent credit accessible to Young India - and make payments simple, enjoyable and worry-free.

Headquartered in Mumbai, with offices across major metros including Bengaluru, Gurugram, Delhi and Jaipur, we’re building at the intersection of commerce, credit, technology and culture. If you want to work on a product used by millions, build a brand people genuinely love, and help redefine how the next generation of India pays and spends you’ll fit right in. Come build Snapmint and help us change how India pays.

The Role

As 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.

Working Model: Work from Office – 5 Days per Week

Entity: Snapmint Credit Advisory Private Limited

What you Own

• 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

What you Bring:

• 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.

Why Snapmint

• Be Part of a 10X–100X Journey - Help build and scale and be part of a high-growth story.
• Raise the Bar - Learn from people who raise the bar.
• Solve Hard Problems - Work on meaningful, high-impact challenges.
• Own the Outcome - Take ownership and make things happen.
• Move Fast, Build Fast - Turn ideas into action, not backlogs.
• Make Real Impact - See your work reach millions of customers.
• Grow with Snapmint - Take on bigger challenges as we scale.