At Bondora, our mission is simple: to make finance easy, transparent, and accessible for everyone. Founded in 2008, we’ve helped more than 700,000 customers across Europe borrow and invest effortlessly through our trusted digital products. As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. This transition will allow us to expand our lending across more EU countries and broaden our product suite to deliver even more value. Join us on this journey and let’s build the future of finance together! WHAT IS THIS ROLE ABOUT? 🚀 As the Head of CRM & Lifecycle Marketing at Bondora, you'll own the strategy behind how we engage, retain, and grow our existing customers. You'll lead our CRM function, driving lifecycle marketing initiatives that increase customer activity, repeat borrowing, and long-term value. This is a strategic, hands-on leadership role where you'll work closely with Product, Data, Engineering, Risk, and Country teams to build personalised customer journeys, optimise performance through experimentation and AI, and continuously improve how we connect with customers across every touchpoint. Your work will directly influence some of Bondora's most important growth metrics, making this one of the highest-impact roles in the business. Your main responsibilities 🎯 * Own Active Customers and Active Balance per Customer: deliver against quarterly targets for both metrics, using lifecycle, reactivation, repeat-loan, refinancing, and add-on initiatives as the levers under direct ownership. Returning applications, originations, and channel ROAS are the key driver metrics to monitor and influence * Orchestrate Bondora's customer-level engagement system: own the data → decision → orchestration → delivery → outcome → data loop across owned digital surfaces, direct messaging channels, paid media audience syncs, and support surfaces. * Lead and develop the team: coach and lead three team members while remaining a hands-on leader yourself, in line with Bondora Functional Lead’s expectations. * Drive cross-functional partnerships: acquisition, product, analytics, engineering, legal, risk, and country managers. Drive prioritisation toward decisions. * Analyse, learn, iterate: feed performance insights back into model retraining, rules tuning, and channel optimisation. WHAT WOULD ENSURE SUCCESS IN THIS ROLE?💪 * 10+ years hands-on lifecycle/CRM/retention marketing, fintech or recurring-revenue models preferred. * Direct experience building/rebuilding a retention function in a scale-up. * AI fluency: Comfortable using AI tools to improve segmentation, campaign optimisation, workflow automation, and marketing insights, with strong judgment on where human oversight is essential. * 5+ years leading and managing a team. * Deep expertise in direct channels (email, SMS, WhatsApp, push) across segmentation, automation, performance optimisation. * Hands-on with modern automation platforms (Braze strongly preferred; Iterable/SFMC/HubSpot acceptable). WHAT CAN YOU EXPECT AT BONDORA?  * 🎯 Be part of Bondora’s ambitious journey toward 1BN in revenue - your work will have a real impact. * 💰 Enjoy a competitive salary and amazing benefits: 5 weeks of vacation, private healthcare compensation, hobby grant, mental health support, share options, and much more! * 📈 Work in an environment that encourages growth and innovation - with resources and budget for continuous learning. THE NEXT STEPS If you have the guts, ideas, and a team vision, apply now!  Our hiring process:  1️⃣ Meet Anna, our Recruiter — your first chat to share your story and ambitions. 2️⃣ Meet Mario, CMO.  3️⃣ Tackle a home task to showcase your skills. 4️⃣ Complete our personality and logic assessments via Alva Labs. 5️⃣ Leadership interview with Juris and Liisi. 6️⃣ Chat with Olga Kikas, our Chief of People. 7️⃣ In-Person meeting with Mario. 8️⃣ Meet Pärtel Tomberg, our CEO. 9️⃣ 🎉 If the stars align — welcome to Bondora!   Join our team of Bondorians, and let's make it happen! If you'd like to read how Bondora collects, uses, and protects your personal data during recruitment, please see HERE.