Customer Value & Proposition Manager

About the role

Cash Credit is evolving into a more comprehensive, technology-driven financial services company. We are looking for a commercially minded, analytical professional to help us increase the value and profitability of our customer relationships across the entire business: all channels, including our branch network, online channels and partner network.

The role combines customer economics, portfolio analysis, product propositions and commercial growth. You will identify opportunities, develop business recommendations and work with different teams to turn them into measurable results.

Key responsibilities

Customer profitability: Analyse customer lifetime value (CLV), acquisition costs, portfolio profitability and contribution margins across products, channels and customer segments.;
Customer insights: Identify valuable customer segments, behavioural patterns, retention opportunities and reasons for inactivity or churn across branch, online and partner channels.;
Growth and retention: Develop initiatives to improve customer value, retention, reactivation and long-term relationships across all customer touchpoints.;
Product propositions: Identify opportunities to improve existing products, pricing, loyalty benefits and customer propositions, including future app, card and wallet services.;
Commercial performance: Build business cases, assess the financial impact of initiatives and recommend actions that support sustainable growth.;

Reporting & Collaboration

• Report to the Commercial Officer and Marketing Director.;
• Work closely with Marketing, Sales, Risk, Finance, Data/BI, Product and Operations teams to translate customer insights into actionable business improvements.;
• Ensure alignment between customer needs, commercial objectives and overall business profitability.;

What we are looking for

• At least 5 years of relevant professional experience in banking, consumer finance, fintech, telecom or another data-driven commercial business.;
• Experience in customer profitability, portfolio analytics, customer value management, product management, commercial analytics or pricing.;
• Strong analytical and financial skills, including working with customer data, performance metrics and financial models.;
• Good understanding of customer segmentation, retention, unit economics and profitability.;
• Advanced Excel skills and experience with data visualisation and business intelligence tools (e.g. Power BI or Tableau).;
• Commercial mindset and ability to turn analysis into practical business decisions.;
• Strong communication and collaboration skills.;

What success looks like

• Better understanding and management of customer and portfolio profitability across all channels.:;
• Improved acquisition economics and customer lifetime value.;
• More profitable retention, reactivation and repeat customer relationships.;
• Better-performing product propositions and pricing initiatives.;
• Measurable contribution to Cash Credit's sustainable growth.;

An opportunity to take ownership of an important commercial area and help shape the next stage of a growing financial services business.

What we offer
•    Working in dynamic environment with young, motivated team of experts 
•    Room to learn, take initiative and grow professionally.
•    Collaboration with experienced internal and external specialists.
•    Hybrid type of work 
•    Opportunity for professional realization and development; 
•    Motivating remuneration; 
•    Training and support opportunities to feel confident from day one;
•    A motivating and dynamic environment where your ideas matter;
•    Correct attitude – we appreciate your efforts;
•    Supplementary health insurance;