Note: The job is a remote job and is open to candidates in USA. AppCard, Inc. is a technology and marketing company headquartered in Manhattan, NY. They are seeking a Director of Card Acquisition to develop and optimize the acquisition strategy for their new credit card program, managing the entire cardholder acquisition funnel and collaborating with various teams to enhance marketing efforts.
Responsibilities
- Develop and execute AppCard’s cardholder acquisition strategy across participating retailers and digital channels
- Own the full card acquisition funnel, including awareness, application starts, application completion, approvals, booked accounts, activation, first transaction, and repeat card usage
- Design and optimize acquisition campaigns across in-store signage, loyalty app placements, email, SMS, web, digital media, receipts, point-of-sale messaging, and retailer communications
- Develop retailer-specific acquisition playbooks that help independent grocers promote the card effectively to their shoppers
- Collaborate with product, design, engineering, and compliance teams to improve the credit card application experience and reduce unnecessary funnel friction
- Analyze acquisition performance by channel, retailer, store, campaign, audience segment, approval rate, activation rate, and cost per acquired active cardholder
- Build and manage a testing roadmap for offers, messaging, creative, targeting, application flow, onboarding, and activation campaigns
- Translate AppCard’s loyalty and shopper data into targeted card acquisition opportunities
- Partner with compliance and legal teams to ensure acquisition materials are accurate, compliant, and aligned with applicable credit card marketing requirements
- Work with card program partners, including issuing bank, processor, network, and other vendors, to support acquisition campaigns and performance tracking
- Develop acquisition strategies that balance application volume, applicant quality, approval rates, responsible lending considerations, and long-term cardholder value
- Create reporting dashboards and executive updates that communicate funnel performance, key insights, risks, and recommended actions
- Identify and implement strategies to improve activation and early card usage after approval
- Support merchant-facing conversations related to card acquisition strategy, store-level execution, and performance improvement
- Stay current on credit card, fintech, retail media, grocery loyalty, and co-brand acquisition trends
- Execute work requests from the Chief Growth Officer
- Conduct yourself in a manner that reflects company values
Skills
- A bachelor's degree in business, marketing, finance, economics, analytics, or a related field is required
- A minimum of 5 years of relevant experience is required, preferably in credit card acquisition, co-brand cards, fintech growth, banking, retail financial services, loyalty marketing, or performance marketing
- Strong understanding of acquisition funnel metrics, including application starts, completion rate, approval rate, booked account rate, activation rate, first purchase rate, repeat usage, CPA, cost per approved account, and cost per active cardholder
- Proven ability to use data to identify funnel issues, develop hypotheses, run tests, and improve conversion
- Experience developing marketing campaigns across digital, email, SMS, app, web, in-store, and partner channels
- Familiarity with credit card marketing compliance considerations, including clear offer communication, APR/reward disclosures, prescreen or prequalification language, Reg Z/TILA considerations, and UDAAP risk
- Excellent communication, analytical, and problem-solving skills
- Ability to collaborate effectively with product, engineering, analytics, compliance, legal, operations, merchants, and external partners
- Proven ability to manage multiple workstreams in a fast-moving environment
- Ability to remain focused and flexible during rapid change
- Strong business judgment and ability to balance growth, customer experience, compliance, and long-term program economics
- Works well in a team-oriented, highly collaborative environment
- Direct experience acquiring customers for a credit card, lending product, banking product, fintech product, loyalty program, or other regulated consumer financial product is strongly preferred
- Experience with co-brand, private-label, retail, grocery, fuel, airline, hotel, or other partner-based card programs is highly desirable
Benefits
- A world-class manager who cares about you and will invest in your professional development
- Stock options
- An informal, meritocratic environment focused on results, not politics
- Flexible working arrangements to accommodate life’s opportunities and challenges
- Casual attire encouraged
- Competitive salary and incentives
- Choice of health, dental and vision benefits
- Life Insurance Coverage, 401(k) plan, vacation/sick leave, paid company holidays
- Flexible Spending Account (FSA)
- Health Savings Account (HSA)
- Commuter benefits
Company Overview