User Growth

We are looking for a high-ownership growth lead to build and scale Scapias referral-led user acquisition engine for the credit card business. This role will own end-to-end performance across referral programs, community-led growth initiatives, influencer partnerships, affiliate networks, and user advocacy programs.

You will be responsible for driving high-quality customer acquisition through scalable referral and engagement channels, building strong creator/community ecosystems, and continuously improving program performance across on-app and off-app channels.

Key Responsibilities :

1. Referral Strategy & Program Ownership

• Own the end-to-end referral growth strategy across: On-app & Off-app referral programs
• Affiliate and advocacy-led acquisition
• Community-driven user growth initiatives
• Design and optimize referral mechanics, incentive structures, and engagement loops
• Continuously improve referral contribution, conversion rates, activation, and retention metrics
• Identify new growth opportunities across user segments, channels, and partnerships

2. Community & User Advocacy Programs

• Build and scale community-led acquisition and engagement programs
• Identify and nurture power users, ambassadors, and advocates
• Create engagement frameworks to drive repeat referrals and organic word-of-mouth growth
• Design gamification and recognition programs to improve participation and loyalty
• Drive initiatives that strengthen user affinity and long-term engagement

3. Influencer & Affiliate Partnerships

• Build and manage influencer, affiliate, and creator-led acquisition programs
• Identify and onboard high-potential influencers and growth partners
• Design scalable partnership and incentive models
• Collaborate with creators and affiliates on campaigns and user acquisition initiatives
• Track channel performance, ROI, and acquisition quality across partnerships

4. Execution & Performance Management

• Own end-to-end referral funnel performance:
• Referral generation application approval activation
• Track KPIs such as:
• Referral contribution to acquisition
• Cost per acquisition (CPA)
• Referral conversion and activation rates
• Influencer / affiliate ROI
• Community engagement metrics
• Channel-wise productivity and scalability
• Build reporting dashboards and performance review mechanisms
• Run experiments and optimization initiatives to improve growth efficiency

5. Program Operations & Governance

• Ensure operational excellence across referral and partnership programs
• Define program rules, incentive governance, and abuse prevention mechanisms
• Work closely with CRM and operations teams to ensure smooth onboarding and user communication
• Monitor sourcing quality and program compliance
• Drive process improvements and automation opportunities

6. Cross-functional Collaboration

Work closely with:

• Marketing teams for campaigns, promotions, and amplification
• Product & Growth teams to improve referral journeys and UX
• CRM teams for lifecycle communication and engagement
• Analytics teams for tracking, experimentation, and insights
• Operations teams for execution and fulfillment

Ideal Candidate Profile

Experience

• 46 years of experience in growth, referral programs, community growth, partnerships, or user acquisition
• Prior experience in consumer internet, fintech, credit cards, lending, or high-growth startups preferred
• Hands-on experience managing:
• Referral or affiliate programs
• Influencer / creator partnerships
• Community or advocacy-led growth initiatives
• Cross-functional growth programs
• Skills & Competencies
• Strong understanding of referral mechanics, growth loops, and incentive design
• Experience scaling user acquisition programs through partnerships and communities
• Data-driven approach to experimentation and decision-making
• Strong stakeholder and partner management skills
• High ownership with strong execution capabilities
• Comfortable operating in fast-paced and ambiguous environments
• Strong communication and program management skills