Own the enterprise referral strategy across products and journeys, including vision, operating model, and prioritized roadmap. Develop an always-on test-and-learn plan: define hypotheses, launch pilots, measure incrementality, and scale winners. Design and optimize incentive structures (customer and product-level), including eligibility rules and profitability guardrails in partnership with Finance and Analytics. Launch new and existing channel growth across digital and offline touchpoints (e.g., app/web, email, branch, paid), aligning targeting, creative, and measurement. Navigate a highly matrixed organization and partner closely with Product, Customer Experience, Technology, Analytics, Channel owners, and Finance to build roadmap consensus on go-to-market plans Establish and monitor program KPIs (e.g., acquisition, conversion, engagement) and deliver regular performance narratives to senior stakeholders. Serve as a persuasive thought leader—aligning stakeholders, resolving tradeoffs, and influencing decisions in a matrixed organization Required qualifications, capabilities, and skills 7 years of experience in marketing, growth, or lifecycle strategy in a multi-channel environment. Demonstrated experience building and scaling customer programs that involve offers/incentives and rigorous measurement (testing, attribution/incrementality, KPI management)Strong analytical and strategic problem-solving skills; ability to translate data into decisions and roadmap priorities. Proven ability to lead through influence in a matrixed organization; strong executive communication skills. Is vigorous and thorough in their management of details; proven ability to take initiative. Proficiency with Excel and PowerPoint Preferred qualifications, capabilities, and skills:Financial services experience and/or loyalty, referral, or incentive program design experience a plus