User Operations Lending Manager

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.