Senior Director, Consumer Marketing (Card + Loan Products)

JOB TITLE:  Senior Director of Consumer Marketing (Card + Loan Products)

LOCATION: Los Angeles, CA (Hybrid; 3 days in office )

REPORTS TO: Chief Marketing Officer

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

About the Role

We are hiring a Senior Director of Consumer Marketing to own the full-funnel marketing strategy and performance for Sunbit’s Credit Card, Personal Loans, Earned Wage Access, and Co-branded Card Programs. This is a high-impact leadership role that will define how we acquire, activate, engage, and retain customers at scale while serving as the backbone of the entire Consumer Marketing organization.

Reporting directly to the CMO, you will serve as both a strategic business partner and operational leader — translating growth objectives into executable marketing plans, building scalable systems and processes, and driving measurable P&L impact. Your work will be central to Sunbit’s next phase of growth as we launch our new brand and expand nationally.

This role is ideal for a strategic operator who combines big-picture business thinking with obsessive executional excellence. You thrive at the intersection of marketing strategy, customer experience, data, product, and regulated financial services operations.

Key Responsibilities

Consumer Marketing Strategy & Business Planning

• Develop and own the long-term consumer marketing strategy across Credit Cards, Loans, and co-branded programs, aligned with overall company growth targets and new brand positioning.
• Lead annual and quarterly planning processes, including forecasting, budgeting, and resource allocation to maximize ROI and P&L contribution.
• Identify new customer segments, product opportunities, and go-to-market strategies that drive sustainable, profitable growth.

Card & Loan Acquisition Strategy & Campaigns

• Lead the strategy and execution of large-scale pre-screen acquisition, invitation-to-apply (I2A), and direct mail campaigns.
• Design and optimize high-performing multi-channel acquisition programs that deliver efficient growth while maintaining strong credit quality.

Full Customer Lifecycle Management

• Own the end-to-end customer journey — from acquisition through activation, engagement, usage, retention, and servicing — for both credit cards and personal loans.
• Build sophisticated automated journeys and retention programs that increase lifetime value and long-term loyalty.

Cross-Functional Partnership & Stakeholder Management

• Serve as the primary “face” of Marketing to Customer, Sales, Revenue, and Merchant teams.
• Act as the key connector between business units and our centralized functional Centers of Excellence (COEs).
• Ensure marketing efforts are deeply consumer-centric across the entire ecosystem, treating Merchants and Associates as key consumer audiences with their own needs, motivations, and journeys.

Segmentation, Personalization & Multi-Channel Execution

• Develop advanced audience segmentation, personalization strategies, and omnichannel campaigns (email, direct mail, and emerging channels).
• Partner with Creative, Product, and Analytics teams to continuously test, iterate, and improve messaging, offers, and customer experience.

Performance Analytics, Insights & Optimization

• Define, track, and optimize key KPIs across the full consumer marketing funnel (CAC, activation, spend velocity, retention, LTV, ROI).
• Deliver actionable insights and strategic recommendations that directly influence product decisions, budget allocation, and go-to-market priorities.

Compliance, Risk & Organizational Leadership

• Ensure all programs meet the highest standards of regulatory compliance, brand voice, and customer experience in a highly regulated financial services environment.
• Play a key role in shaping and scaling the broader Consumer Marketing organization, including building and mentoring high-performing teams and establishing best-in-class processes.

What Success Looks Like

• Consumer marketing becomes a predictable, high-ROI, and operationally excellent growth engine that consistently delivers efficient acquisition and strong customer lifetime value.
• We operate with one source of truth, real-time visibility, clean data, and scalable processes — eliminating reactive firefighting.
• The CMO and executive leadership have full confidence in our forecasts, performance metrics, and ability to scale rapidly with the new brand launch.
• This function sets the standard for excellence across Consumer Marketing and creates a repeatable operating model for future product lines and national expansion.

REQUIREMENTS

What We’re Looking For

• 12+ years of progressive experience in acquisition and lifecycle marketing, with at least 5 years in a Director+ leadership role.
• Proven track record leading and scaling credit card, consumer lending, or financing marketing programs in fintech, financial services, or another regulated industry.
• Strong business strategy acumen — ability to translate company objectives into marketing strategy, planning, and P&L impact.
• Deep operational experience building and optimizing marketing processes, workflows, and MarTech ecosystems (Iterable strongly preferred).
• Expertise in direct mail execution, working with major credit bureaus, advanced segmentation, and performance marketing.
• Hands-on leader with exceptional analytical skills, a compliance-first mindset, and obsessive attention to detail.
• Excellent cross-functional collaborator who can influence without authority and build strong partnerships with Product, Analytics, Finance, Operations, Sales, Revenue, and Merchant teams.

The Perks:

• Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024) 
• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching 
• Cell Phone Stipend 
• Team based strategic planning + Team owned deliverables

How We Pay:

• We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.
• We are targeting a base salary of $190,000 - $225,000 per year for this role
• This role will also be granted company equity via stock options

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @ sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at View email address on sunbit.com to confirm. 

We ask that you contact View email address on sunbit.com only about potential instances of fraud. View email address on sunbit.com does not reach our recruiting team directly.  Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to View email address on sunbit.com directly, and your email about your application will be deleted from our systems.