Ant International-Turkey Consumer Finance User Growth Operations Expert-Bettr

Own the core user growth function for BNPL (Buy Now Pay Later) and cash loan products in the Turkish market, driving rapid scale-up of the credit business while maintaining efficient operations and a healthy risk-growth balance. Key Responsibilities:

1. Full-Funnel Growth Strategy: Develop and execute end-to-end growth strategies for Consumer Finance in Turkey, driving continuous growth in credit user base and credit utilization volume.
2. Product & Ecosystem Synergy: Lead BNPL product and cash loan design and growth operations in collaboration with Payments and E-commerce teams, building product plans that integrate wallet and e-commerce scenarios. Coordinate traffic resources across local e-commerce, payments, and other key scenarios; optimize the mix of organic and paid traffic to improve exposure and new-user acquisition. Explore new traffic scenarios to open growth frontiers, and build a precise high-intent user identification system based on borrowing-intent insights.
3. Customer Segmentation & Tiered Operations: Design differentiated, tiered strategies for growth-stage and high-potential customer segments. Lead the planning and execution of large-scale marketing campaigns, iterating quickly based on data to improve ROI and operating efficiency.
4. Business Strategy & Supply-Demand Matching: Collaborate with Risk and Product teams to dynamically optimize credit limits, pricing, and service matching based on user profile insights — driving user experience, engagement, and business growth in tandem.
5. Methodology & Market Insight: Abstract growth practices into reusable methodologies; stay attuned to industry trends, regulatory developments, and competitor strategies in Turkey and neighboring markets to refine local growth strategy.

1. Graduates of 985/211 or well-known overseas institutions preferred.
2. 5+ years of user growth experience in consumer credit, fintech, e-commerce, or related industries, with experience on products at 10M+ DAU scale preferred. Ideally with a track record in one or more of the following: ◦ Traffic Operations: scenario-based traffic distribution strategies, with projects achieving 30%+ improvement in user engagement/retention ◦ Merchant Ecosystem: B2B2C operations experience, having built 100+ core merchant case studies ◦ Intelligent Marketing: applying ML models (CTR/LTV prediction) to optimize marketing efficiency
3. Strong data-driven mindset; able to design and deploy full-funnel growth strategies using ecosystem data, and iterate quickly based on performance.
4. Familiar with credit product characteristics and customer profiles; understanding of basic risk frameworks (pre-loan underwriting, mid-loan limit adjustment) preferred, with sound judgment in balancing growth and risk.
5. Good English proficiency (listening, speaking, reading, writing); strong cross-functional collaboration skills, able to work closely with business, Risk, and Product teams.
6. Willing to travel and open to short-term relocation for projects (Turkey and neighboring markets).