Lifecycle Marketing - 1st hire, build with AI

Join an early-stage startup.
Unlock access to credit.
Accelerate economic opportunity.

Join us as our 1st Lifecycle Marketer! You will:

• Own lifecycle strategy and execution across email, push, and in-app — from onboarding through reactivation

• Pioneer AI-native workflows and tooling to build marketing systems that are faster, smarter, and more personalized than what's possible with traditional approaches

• Operate independently, drive clarity where it doesn't exist, and shape a function from the ground up

• Kovo is transforming financial access for underserved Americans. We believe everyone deserves the opportunity for economic independence. Our innovative financial empowerment platform creates pathways to credit and financial inclusion, empowering individuals traditionally excluded from financial opportunities.

• We've scaled revenue 20x over the past three years, and our revenue efficiency (revenue per employee) is benchmarked at the 99th percentile. This is a venture-scale company that has started generating positive free cash flow early in its lifecycle, resulting in less dilution for our employees as we accelerate momentum without being dependent on venture funding to stay alive. We're seeking exceptional individuals eager to help us scale another 20x and beyond.

• Kovo is backed by Inspired Capital and Homebrew, along with founders and leaders from Plaid, Column, Ramp, Affirm, Cash App, NerdWallet, Alloy, MoonPay, Uber, Etsy, LendingClub, Grindr, and more.

• Direct impact on millions of people’s ability to access credit

• High ownership with minimal bureaucracy

• Speed, learning, and impact are core values

• Roles and priorities evolve quickly

• Some systems and processes are still being built

• The pace of execution and career growth is intense (not optimized for work-life balance)

• Own and evolve Kovo’s lifecycle marketing strategy across email, push notifications, and in-app messaging.

• Audit and optimize existing lifecycle programs, identifying opportunities to improve activation, engagement, retention, and long-term customer value.

• Design and scale event-driven lifecycle programs to support personalized, behavioral-triggered messaging.

• Build and maintain a modular email design system/library, leveraging AI tools (e.g., React Email, AI-assisted HTML generation) to increase speed and quality.

• Partner with Product and Data to ensure lifecycle messaging is tightly integrated with product events and user behavior.

• Own conversion rate optimization: define the experimentation framework, prioritize and sequence tests across lifecycle messaging and web conversion flows, and document learnings.

• Explore and implement AI-powered workflows and proactive messaging agents to improve personalization, cross-sell, and product discovery. We believe AI fundamentally changes what a small lifecycle team can do - you'll have the mandate and resources to prove that out.

• Define lifecycle KPIs and continuously optimize for measurable performance improvements.

• 4+ years or equivalent depth of experience owning lifecycle or CRM marketing in a high-growth environment.

• Comfortable working with event-driven systems and product analytics tools (e.g., PostHog, Segment, Amplitude, Braze, Iterable, etc).

• Think in terms of behavioral triggers, segmentation, and measurable incremental impact - not just campaign sends.

• Highly autonomous and thrive with high ownership in a small, fast-moving remote team.

• Technically curious: comfortable with HTML-based email systems, component-driven frameworks, and willing to learn fast.

• Have a builder's mindset toward AI: you see it as a core capability, not a buzzword, and you're eager to push the boundaries of what lifecycle marketing can look like when AI is deeply embedded in the workflow.

• Bonus: Managed or contributed to marketing automation migrations or major tooling evolutions.

• Bonus: Intermediate SQL proficiency.