User Operations Lending Manager
About this role
Role Summary
The Lifecycle Operations Manager is responsible for driving user lifecycle performance across lending products through data-driven operations, user segmentation, retention strategies, and cross-product collaboration.
This role focuses primarily on maximizing the value of existing users, improving retention, re-borrowing, engagement, and lifecycle conversion across the Quantix lending ecosystem, including products such as CashNow, SNPL, and Easy Cash.
The role will also support cross-product user growth initiatives and ecosystem traffic collaboration (e.g., BOTIM ecosystem traffic and internal cross-sell opportunities), while paid acquisition and advertising performance will remain primarily owned by the Growth team.
Responsibilities
1. User Lifecycle Operations & Retention
Develop and optimize lifecycle strategies to improve user activation, retention, re-borrowing, and long-term user value (LTV).
Design operational strategies for onboarding, repayment engagement, repeat borrowing, and user reactivation.
Improve user engagement and reduce churn through targeted operational initiatives and personalized communication strategies.
2. User Segmentation & Targeted Operations
Design and maintain user segmentation frameworks based on lifecycle stage, behavior, engagement level, and risk profile.
Translate segmentation insights into operational strategies for different user groups.
Collaborate with Risk, Marketing, Customer Service, and Product teams to deliver targeted lifecycle operations and communication strategies.
3. Cross-product Growth & Ecosystem Collaboration
Drive cross-sell and user migration strategies across Quantix lending products, including CashNow, SNPL, and Easy Cash.
Identify opportunities to improve user conversion between products based on user behavior and lifecycle stage.
Collaborate with BOTIM ecosystem teams to explore ecosystem-based traffic and lending growth opportunities.
4. Funnel Optimization & User Experience Improvement
Analyze user journeys and identify operational or product friction points impacting lifecycle conversion and re-borrowing.
Work with Product and Tech teams to optimize key user flows and improve conversion across lending funnels.
Support A/B testing initiatives related to retention, lifecycle conversion, and user engagement.
5. Data Analysis & Performance Tracking
Monitor and analyze key metrics such as retention rate, re-borrowing rate, lifecycle conversion, user engagement, and LTV.
Build dashboards and cohort analysis frameworks to track user performance across different segments and products.
Translate business targets into actionable operational initiatives and measurable experiments.
6. Cross-functional Collaboration & Project Management
Coordinate across Product, Risk, Marketing, Data, Tech, and Customer Service teams.
Drive execution of lifecycle operation and cross-product growth initiatives to ensure measurable business impact.
Requirements
4–6 years of experience in user operations, lifecycle operations, growth operations, product operations, or related roles.
Experience in fintech, lending, consumer internet, or ecosystem-based products is preferred.
Skills
Strong analytical capability (SQL required; Python is a plus).
Hands-on experience in lifecycle management, retention operations, cohort analysis, and segmentation strategies.
Understanding of lending-related user behavior and operational metrics.
Strong project management and cross-functional communication skills.
Business-oriented mindset with strong ownership and execution capability.
Company at a glance
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