Job description

Shaping the Future of Lending With 30 years of fintech leadership, Origence empowers credit unions with innovative SaaS lending solutions that make lending more accessible, efficient, and competitive. We invest in our people and foster a culture of innovation, ownership, and continuous improvement. As we help shape the future of lending, we're leveraging AI to enhance the way we work and create value for our clients, and we're seeking individuals who are excited by emerging technologies and eager to use them responsibly to solve problems and drive impact. The Sr. Director of Consumer Marketing & Lead Acquisition is responsible for developing and executing strategies to acquire, convert, and retain consumer refinance customers. This role leads lead-purchasing strategy, digital customer acquisition, vendor and affiliate relationships, marketing analytics, and conversion optimization to generate profitable funded-loan volume while maintaining strong consumer compliance and brand standards. The Origence Mindset At Origence, we are self-aware, adaptable, and relentlessly focused on creating meaningful impact. We think like owners, embrace complexity and ambiguity, challenge conventional thinking, and continuously pursue smarter, more effective ways to solve problems and advance the business. If this mindset reflects who you are, you may be exactly who we're looking for. Please note, this position will follow a Hybrid schedule with a minimum of 4 days in the office/week How You'll Contribute: Lead Generation & Customer Acquisition • Develop and manage consumer acquisition strategies across purchased leads, paid search, paid social, affiliate networks, lead aggregators, retargeting, email, direct mail, and other performance channels. • Identify, evaluate, negotiate with, and manage third-party lead providers and marketing partners. • Establish lead-buying criteria, pricing thresholds, volume allocations, and quality standards by source, product, geography, credit profile, and customer segment. • Optimize cost per lead, contact rate, application rate, approval rate, funded-loan conversion, customer acquisition cost, and contribution margin. • Monitor lead duplication, fraud, consent, freshness, exclusivity, and source quality; suspend or reallocate spend when performance falls below established thresholds. Digital Marketing & Campaign Management • Lead performance marketing across search engine marketing, social media, display, affiliate, email, SMS, and remarketing channels. • Plan and manage the consumer marketing budget, forecasts, pacing, and channel mix to achieve volume and profitability targets. • Partner with creative, compliance, sales, operations, and technology teams to launch accurate, compelling, and compliant campaigns. • Oversee agencies and marketing technology vendors, ensuring clear deliverables, measurable outcomes, and disciplined spend management. Funnel & Conversion Optimization • Own the consumer journey from lead receipt through contact, application, approval, closing, and funded loan. • Analyze funnel leakage and implement initiatives to improve speed-to-lead, contact rates, application completion, document collection, approval, and funding. • Design and manage A/B tests for messaging, landing pages, forms, offers, call strategies, nurture campaigns, and customer experience. • Collaborate with sales and operations leaders on lead routing, staffing, service-level expectations, scripts, follow-up cadence, and performance accountability. Analytics, Reporting & Forecasting • Build executive dashboards and reporting by source, campaign, vendor, cohort, channel, and customer segment. • Prepare weekly and monthly performance reviews with insights, forecasts, risks, and recommended actions. • Use attribution, cohort, profitability, and lifetime-value analyses to guide investment decisions. • Ensure lead, campaign, CRM, and funded-loan data are accurately captured and reconciled across systems. Compliance & Risk Management • Partner with Legal and Compliance to ensure campaigns, disclosures, lead sources, outreach practices, and vendor activities comply with applicable consumer lending, privacy, telemarketing, advertising, and consent requirements. • Maintain appropriate vendor due diligence, documentation, monitoring, and escalation procedures. • Promote fair, transparent, and responsible marketing practices across all consumer acquisition channels. Key Performance Indicators • Qualified leads and applications generated • Cost per lead and cost per application • Contact rate, application rate, approval rate, and funded-loan conversion rate • Cost per funded loan and customer acquisition cost • Marketing return on investment and contribution margin • Lead response time, lead quality, fallout, duplication, and fraud rates • Funded-loan volume, revenue, and customer lifetime value What Makes You a Great Fit: Education • Bachelor's degree in Marketing, Business, Analytics, or a related field; advanced degree preferred. Experience • 7+ years of experience in direct-to-consumer marketing, performance marketing, customer acquisition, or lead generation, including leadership responsibility. • Experience in auto refinance, mortgage refinance, personal lending, consumer finance, or another high-volume financial services environment strongly preferred. • Demonstrated experience purchasing and optimizing third-party leads and managing meaningful marketing budgets. • Strong understanding of acquisition economics, attribution, conversion funnels, forecasting, and unit profitability. • Experience with CRM, marketing automation, call-center, analytics, and lead-distribution platforms. • Strong vendor negotiation, cross-functional leadership, communication, and executive presentation skills. • Ability to operate in a fast-paced, highly regulated, data-driven environment. Your Strengths & Expertise • Hands-on experience with paid search, paid social, affiliate marketing, lead marketplaces, landing-page optimization, and marketing automation. • Working knowledge of consumer lending compliance, privacy, consent management, and telemarketing requirements. • Experience integrating marketing, CRM, sales, operational, and loan-funding data for end-to-end reporting. • Ability to balance growth, customer experience, compliance, and profitability. Leadership Attributes • Highly analytical and commercially minded, with strong financial discipline. • Customer-focused and committed to a transparent consumer experience. • Collaborative, decisive, and able to translate data into action. • Comfortable challenging assumptions and reallocating resources quickly based on performance. Bring your ideas, your curiosity, and your unique perspective. We'll provide the opportunities, tools, and support to help you succeed. How We Invest in You: • 401(k) with 8% Company Match • Flexible Work Environment • Competitive Paid Time Off • Tuition Reimbursement & Education Benefits • Comprehensive Health & Wellness Benefits • Microsoft Copilot and AI-Enabled Tools • Continuous Learning & Development Opportunities • A culture of connection, celebration, and growth through employee-driven programs, company events, holiday celebrations (Star Wars Day), monthly town halls, quarterly company meetings, and team traditions like Bring Your Kid to Work Day Recognizing Your Impact For this full-time role, the starting salary range is $161600 - $202000 per year. Our compensation is designed to be competitive and to reflect the value, experience, and contributions each team member brings to Origence. Offers are usually not made at the top of the range, and each compensation package is assessed carefully based on job-related factors such as relevant experience, skills, qualifications, and geographic location, in compliance with applicable laws. Origence is an equal opportunity employer. All recruitment, hiring, training, compensation, benefits, discipline, and other terms and conditions of employment will be based upon an individuals’ qualifications regardless of race, religion, color, sex, gender identity, sexual orientation, national origin, ancestry, military service, marital status, pregnancy, age, protected medical condition, genetic information, disability or any other category protected by federal, state or local law.

Requirements

Must-haves

Shaping the Future of Lending
The Origence Mindset
Please note, this position will follow a Hybrid schedule with a minimum of 4 days in the office/week
Lead Generation & Customer Acquisition
Develop and manage consumer acquisition strategies across purchased leads, paid search, paid social, affiliate networks, lead aggregators, retargeting, email, direct mail, and other performance channels.
Identify, evaluate, negotiate with, and manage third-party lead providers and marketing partners.
Establish lead-buying criteria, pricing thresholds, volume allocations, and quality standards by source, product, geography, credit profile, and customer segment.
Optimize cost per lead, contact rate, application rate, approval rate, funded-loan conversion, customer acquisition cost, and contribution margin.
Monitor lead duplication, fraud, consent, freshness, exclusivity, and source quality; suspend or reallocate spend when performance falls below established thresholds.
Digital Marketing & Campaign Management
Lead performance marketing across search engine marketing, social media, display, affiliate, email, SMS, and remarketing channels.
Plan and manage the consumer marketing budget, forecasts, pacing, and channel mix to achieve volume and profitability targets.
Partner with creative, compliance, sales, operations, and technology teams to launch accurate, compelling, and compliant campaigns.
Oversee agencies and marketing technology vendors, ensuring clear deliverables, measurable outcomes, and disciplined spend management.
Funnel & Conversion Optimization
Own the consumer journey from lead receipt through contact, application, approval, closing, and funded loan.
Analyze funnel leakage and implement initiatives to improve speed-to-lead, contact rates, application completion, document collection, approval, and funding.
Design and manage A/B tests for messaging, landing pages, forms, offers, call strategies, nurture campaigns, and customer experience.
Collaborate with sales and operations leaders on lead routing, staffing, service-level expectations, scripts, follow-up cadence, and performance accountability.
Analytics, Reporting & Forecasting
Build executive dashboards and reporting by source, campaign, vendor, cohort, channel, and customer segment.
Prepare weekly and monthly performance reviews with insights, forecasts, risks, and recommended actions.

Nice-to-haves

Bachelor's degree in Marketing, Business, Analytics, or a related field; advanced degree preferred.
Experience in auto refinance, mortgage refinance, personal lending, consumer finance, or another high-volume financial services environment strongly preferred.

Application prep

Use the role’s language and application details while tailoring your materials.

Keywords to mirror

Platform: clearcompany
Effort: medium

Benefits

Benefits detected in the listing.

401(K)

Paid Time Off

Wellness