Head of CRM, Customer Value Management

🔥 12 hours ago

🌐 Estonia, Denmark, +3 more countries – Remote

🇪🇪 Estonia – Remote 🇩🇰 Denmark – Remote 🇫🇮 Finland – Remote 🇳🇱 Netherlands – Remote 🇪🇸 Spain – Remote

⏰ Full Time

🔴 Lead

🏆 Customer Success

👻 Ghost score 10%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Bondora

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 2008

💼 Consulting

🛡️ Insurance

⚖️ Legal

Consulting • Insurance • Legal

Bondora is a fast-growing financial technology company founded in 2008, dedicated to empowering individuals to enjoy life by alleviating financial stress. Serving over 1 million customers worldwide, Bondora offers intuitive online financial services to help users save, grow, and spend money confidently. The company is pursuing a bold transformation by acquiring a banking license, aiming for a valuation target of 1 billion by 2026 and expanding to 11 new countries. Bondora prides itself on a vibrant community culture and a supportive work environment for its employees, offering various perks and opportunities for personal and professional growth.

📋 Description

• Own the value of Bondora’s existing customer base • Deliver quarterly targets for Active Customers, Active Balance per Customer and returning originations • Measure customer value using loan net present value, LTV12 and volume • Own the customer value model with Finance and Credit Risk • Maintain the value formula covering fees, net interest margin after funding cost, add-on revenue, expected loss, early repayment, cost to serve and discounting • Rank value-creation levers including next-loan timing, top-ups, add-on attach, refinancing and early-delinquency cure • Price incentives using break-even logic and stop value-destroying initiatives • Run Braze as the CRM orchestration backbone • Act as business owner of the future decisioning layer, defining its value objective, constraints, offer library and initial use cases • Own the data-to-outcome loop: data, decision, orchestration, delivery, outcome and data • Run major programmes against controls or holdouts and report uplift as incremental value • Lead and develop three CRM Managers and work with a Data PM • Drive cross-functional partnerships with Finance, Credit Risk, Product, Analytics, Engineering, Legal and country managers • Participate in the hiring process and complete a home task and personality and logic assessments

🎯 Requirements

• 8+ years in CRM, lifecycle or customer value management • At least 3 years in consumer lending, banking, cards, BNPL or another credit or recurring-revenue business • Accountability for the value of a customer base • Experience building or owning a customer value (LTV or NPV) model and using it as an optimisation target • Ability to derive customer value from first principles, including funding cost, expected loss, early repayment, cost to serve and discounting • Credit literacy, including risk-based pricing, affordability and suppression • Experience holding back revenue for risk reasons • Ability to design holdouts and controls and report results in money • Hands-on experience with a modern CRM platform; Braze preferred • Ability to build CRM journeys and direct operators • Experience as business owner of a next-best-action or AI decisioning model is a strong plus • 4+ years leading a team, including hiring

🏖️ Benefits

• 5 weeks of vacation • Private healthcare compensation • Hobby grant • Mental health support • Share options • Resources and budget for continuous learning • Competitive salary • Opportunity to have a real impact as Bondora works toward 1BN in revenue