Strategy & Ops - Growth, Retention & Engagement

BharatNXT; Mumbai; On-site; INR 1,600,000 - 2,400,000; Full time

Job summary

BharatNXT is seeking a hands-on Growth/Lifecycle Marketing professional to own the engagement stack end-to-end. You will define cohorts, run multi-channel campaigns, and continuously test and optimize journeys to drive retention and revenue.

Ideal candidates have 2–5 years in lifecycle marketing and hands-on experience with MoEngage, CleverTap, Braze or WebEngage, plus SQL/BI familiarity. This on-site Mumbai role collaborates across Growth, Product, Marketing and Tech teams.

Qualifications

• 2–5 years hands-on lifecycle marketing, CRM or growth execution in an app-first business.
• Experience building journeys and campaigns in MoEngage, CleverTap, Braze or WebEngage, not just briefed to an agency.
• Practical experience running push, WhatsApp, email and in-app at scale; deliverability and fatigue management.
• Strong funnel and cohort analysis; able to pull and sanity-check data (SQL/BI a plus).
• Comfortable working with tech on event tracking, integrations and data requirements.

Responsibilities

• Own the engagement stack end-to-end: events, user properties, segments, integrations and hygiene.
• Define and build cohorts using user data and behavioural signals across platforms.
• Review and rebuild live flows, map cohorts, fix issues, retire ineffective ones.
• Run campaigns across channels: WhatsApp, email, push, in-app, banners.
• Test relentlessly with structured A/B tests and maintain a test log.

Skills

Lifecycle marketing

Campaign design

Data analysis

AI awareness

Education

Analytical degree preferred

Tools

MoEngage

CleverTap

Braze

WebEngage

SQL

BI

Job description

Every day, 64 million Indian micro and small businesses build with grit and audacity, and BharatNXT is building the financial infrastructure to fuel that ambition. We help businesses turn existing credit tools like cards into flexible working capital, while enabling them to pay vendors, GST and invoices and manage cards, limits and payouts all on one platform.

Today, BharatNXT serves 2M+ users across 450+ cities, powered by an in-house financial infrastructure with 100+ risk checks, fraud below 0.02%, and a dynamic pricing engine evaluating 20+ parameters across 10,000+ daily transactions. But payments are just the starting point - we’re building India’s MSME Financial Operating System, spanning Run, Manage and Grow, with embedded credit, insurance and personalised financial products powered by signals from every transaction, interaction and GST filing.

Our Predictive Journey Engine interprets 100+ data points per user to continuously personalise pricing, limits, products, reminders and rewards. We’re building towards powering the next 10 million entrepreneurs and rebuilding Bharat’s operational and credit rails from the ground up.

The Role

Own our engagement stack end-to-end, powering 15000+ customer touchpoints across multiple products and high-frequency user journeys. Today, it powers campaigns, journeys, cohorts and app personalization across multiple user touchpoints. You will own the platform, the data flowing into it, what gets built on top of it, and the performance of the engagement engine.

This is a hands‑on role with real ownership. You won't be handed a campaign calendar and asked to execute it. You'll identify opportunities, decide what needs to be built, test it, measure it, and kill or scale it based on results.

What you’ll do

• Own Martech stack end to end - events, user properties, segments, integrations, hygiene and documentation. Data flows in from CRM, our AI calling stack, MMP, Other external platforms and app events; you make sure it's accurate and usable.
• Strategically define and build cohorts using user data, behavioural signals and footprints across platforms.
• Reviewand rebuild what's live - map every flow and cohort, fix what's broken, retire what isn't working, and put a review cadence on the rest.
• Run campaigns across channels - WhatsApp, RCS, email, push, in-app banners and GIFs, app tiles, website and banners.
• Test relentlessly - structured A/B tests on creative, timing, channel and journey design, with a test log so learnings compound.
• Build cohorts and app personalization - identify new behavioural and transactional cohorts and build cross-sell, upsell, retention and reactivation journeys around them.
• Fix the funnel - use UXCam / Clarity and product data to identify where users struggle, translate those insights into actionable cohorts or interventions, and drive product/UX/engineering fixes to closure.
• Design, Rollout, Monitor and Correct within 48 hours - build dashboards and alerts to catch funnel drops, delivery failures, data issues and integration breaks before they become business problems.
• Partner cross-functionally - work closely with Growth, Product, Business, Data, Design and Engineering to turn user insights into measurable growth initiatives.

What we’re looking for

2–5 years of hands‑on lifecycle marketing, CRM or growth execution in an app‑first business.

You have personally built journeys and campaigns in MoEngage, CleverTap, Braze or WebEngage - not just briefed an agency.

• Practical experience running push, WhatsApp, email and in‑app at scale, including deliverability and fatigue management.
• Strong funnel and cohort analysis. You can pull and sanity‑check your own data (SQL or BI is a plus).
• Comfortable working with Tech on event tracking, integrations and data requirements.
• Strong attention to detail. Small errors in cohort logic, event tracking or journey conditions can have a large impact.
• You create structure in ambiguity instead of waiting for someone else to create it.
• Familiarity with AI and agentic tools like Claude and Gemini.
• You are comfortable challenging existing processes and asking, “Why are we doing this?” when the data doesn't support it.
• Brownie points if your family comes from a business background and/or you have a degree in analytics or Chartered accountancy.

Why take it

• You’ll own an engagement stack that touches every stage of the user lifecycle, in a business where retention and product adoption directly impact revenue.
• There’s a lot to build, iterate and experiment with. That’s exactly what gives you the headroom to stand out, take ownership and make a meaningful mark.
• If you’re looking for a role where nobody counts the hours - we measure the impact you create, this is it.

Who should not take it up

• You’re not deeply driven to build the next large consumer business for India’s micro & small businesses, and would rather optimise for comfort than impact.
• You care more about perks and flexibility than the opportunity to build something meaningful and shape it from the ground up.
• You’re looking for a siloed, low-collaboration role. We work closely across Business, Marketing, Product, Tech and other teams - co-designing, challenging and building together is a big part of the job.
• You prefer clearly defined boundaries over taking ownership, figuring things out and getting things done in an evolving environment.

We are a small team of highly motivated people and want people who have a strong sense of ownership and passion for what they do. If you are expecting a 9-5 types, very well defined structured role - this is not the place for you. But if you are looking for a steep learning curve building innovation in the payment space and are ready to roll up your sleeves to get work done, we would love to hear from you!