<p>Empowering Better Financial Outcomes for Everyday Americans</p> <p>When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.</p> <p>Atlanticus technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.</p> <p>Office Locations</p> <ul> <li>Atlanta, GA - Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA. </li><li>Austin, TX - Situated in The Domain, a vibrant tech hub with park-like surroundings, top restaurants, and convenient parking, perfect for post-work socializing. </li><li>Wilmington, DE - Near the Riverfront, offering rich history, dining, entertainment, and shopping. With direct access to I-95, Amtrak, and SEPTA, employees enjoy flexible living options. </li></ul> <p>Work Culture</p> <p>We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You'll be empowered to lead, grow, and make an impact.</p> <p>The Role</p> <p>We are seeking an exceptional VP of Portfolio Marketing to shape and lead the strategic direction of retention and engagement marketing across our credit card portfolio. This senior marketing leader will play a pivotal role in improving portfolio health, driving customer engagement, and advancing Atlanticus' mission of responsible lending.</p> <p>As the VP of Portfolio Marketing, you will serve as the marketing leader responsible for defining and executing the existing customer marketing and lifecycle strategy for Atlanticus' credit card portfolio. You will drive performance across the entire customer lifecycle-activation, utilization, repayment, retention, and loyalty-while balancing growth, risk, compliance, and customer outcomes at scale. This role requires deep domain expertise in non-prime credit markets, strong leadership skills, and the ability to influence cross-functionally at a senior level.</p> <p>You will shape the portfolio management roadmap, guide testing decisions, and lead a high-performing team in delivering data-driven, compliant, and customer-centered portfolio growth strategies.</p> <p>Key Responsibilities</p> <p>Strategic Leadership & Vision</p> <ul> <li>Establish and own the long-term portfolio marketing strategy for Atlanticus' credit card business, aligning with enterprise growth and risk objectives. </li><li>Develop the vision for lifecycle engagement and customer experience across onboarding, early engagement, responsible credit usage, retention, and reactivation. </li><li>Champion a mission-driven approach to marketing that supports financial inclusion while ensuring responsible credit usage and portfolio stability. </li></ul> <p>Portfolio Management & Performance Accountability</p> <ul> <li>Lead strategic initiatives to improve portfolio performance, including activation, utilization, payment behaviors, retention, CTLV, and credit outcomes. </li><li>Partner closely with Portfolio Management Risk Team to optimize economics, reduce delinquency, and support long-term portfolio sustainability. </li><li>Serve as the senior marketing voice in portfolio marketing reviews, risk meetings, and performance marketing discussions. </li></ul> <p>Data-Driven Decision Making</p> <ul> <li>Oversee the creation and evolution of customer segmentation, targeting, and behavioral modeling strategies for existing customers. </li><li>Drive an experimentation culture grounded in analytics, statistical testing, and actionable insights. </li><li>Ensure that decisioning and messaging strategies are informed by channel testing, credit trends, roll-rate analysis, digital engagement metrics, research and insights, and customer behavior patterns. </li></ul> <p>Cross-Functional Collaboration</p> <ul> <li>Influence and align senior leaders across Risk, Compliance/Legal, Product, Operations, and Servicing to advance portfolio performance and customer outcomes. </li><li>Partner closely with Product leadership to enhance digital experiences that support portfolio marketing goals (e.g., digital servicing, autopay adoption, app engagement). </li><li>Work with Compliance and Legal teams to ensure all communications meet Atlanticus' regulatory standards and responsible lending commitments. </li></ul> <p>Organizational Leadership & Team Development</p> <ul> <li>Build, mentor, and lead a high-performing team of portfolio marketers and analytics partners. </li><li>Create frameworks, processes, and governance structures that enable operational excellence at scale. </li><li>Develop marketing talent and foster a culture of accountability, innovation, and continuous improvement. </li></ul> <p>Channel Strategy & Execution Oversight</p> <ul> <li>Oversee omnichannel portfolio marketing programs across email, push/in-app, digital, direct mail, and partner channels. </li><li>Elevate personalization and real-time targeting in collaboration with Marketing Execution & Controls (MEC) Team, leveraging the MarTech stack and advanced decisioning. </li><li>Ensure executional rigor, compliance adherence, and consistent measurement across all marketing programs. </li></ul> <p>Qualifications</p> <p>Experience & Expertise</p> <ul> <li>12+ years in portfolio management, lifecycle marketing, CRM, or credit card marketing, ideally in non-prime consumer lending. </li><li>Demonstrated leadership in scaling portfolio marketing/customer lifecycle programs for credit card portfolios or regulated products. </li><li>Expertise in non-prime customer dynamics, repayment behaviors, credit performance metrics, and regulatory considerations. </li><li>Strong command of credit card P&L levers, portfolio forecasting, CLTV modeling, and delinquency mitigation strategies. </li></ul> <p>Leadership & Influence</p> <ul> <li>Proven ability to lead at the enterprise level across Risk, Product, Compliance/Legal, and Operations. </li><li>Exceptional communication skills with comfort presenting to senior leadership and executive teams. </li><li>Experience building and leading high-performing teams, ideally in a fintech or complex financial services environment. </li></ul> <p>Technical & Analytical Strength</p> <ul> <li>Highly analytical with fluency in data-driven marketing, advanced segmentation, targeting, and measurement. </li><li>Experience with enterprise marketing automation and decisioning platforms (Braze, MoEngage, Salesforce Marketing Cloud, SendGrid, HubSpot, data warehouses, CDPs). </li><li>Ability to translate complex analytics into clear business strategies and actions. </li></ul> <p>Why You'll Love Working Here</p> <p>This isn't just a job, it's a place to lead, grow, and thrive. If you believe in your skills and drive, we'll provide the resources and support to help you succeed.</p> <p>Benefits include:</p> <ul> <li>Generous PTO and holiday schedule </li><li>401(k) with company match </li><li>Employee stock purchase plan </li><li>Ongoing training (lunch & learns, financial and health webinars) </li><li>Team volunteer outings </li></ul> <p>Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.</p> <ul> <li>Note: Applicants must be authorized to work in the U.S. We do not sponsor employment visas. </li><li>Hiring for our Wilmington, DE/Austin, TX office will be processed through Mercury Financial, a brand of Atlanticus. </li></ul>