Growth Manager (Consumer Loans)

Key Responsibilities
- Own the growth and commercial performance of the Bank’s Lifestyle & Ecosystem portfolio, including account bundles, subscription-based propositions, loyalty benefits, partner offers and other value-added services.
- Develop and execute the roadmap for lifestyle propositions and ecosystem partnerships aligned with the Bank’s retail strategy and customer needs.
- Design compelling customer propositions by combining banking products with lifestyle, travel, telecommunications, retail, entertainment and other relevant partner benefits.
- Identify, evaluate, negotiate and develop strategic partnerships that expand the Bank’s ecosystem and create measurable value for customers and the Bank.
- Drive portfolio KPIs, including customer acquisition, bundle penetration, activation, usage, engagement, retention, cross-sell, revenue and profitability.
- Manage product and partnership economics, including pricing, subscription models, partner contributions, incentives, business cases and ongoing profitability.
- Use customer behavior, transaction data, market insights and competitor benchmarks to identify growth opportunities and continuously optimize propositions.
- Develop and execute targeted growth initiatives and campaigns together with Marketing, Digital, CRM and other relevant teams.
- Own business requirements for new lifestyle products, partner integrations, proposition enhancements and customer journey improvements, and coordinate their implementation with Product, Technology and Operations teams.
- Monitor customer feedback and portfolio performance and initiate improvements to customer journeys, benefits, pricing, communication and service experience.
- Ensure that propositions, partnerships and related processes comply with internal policies and applicable Legal, Risk, Compliance and regulatory requirements.
- Work closely with Product Implementation & Growth colleagues and other business units to create cross-product propositions and strengthen the overall customer ecosystem.
Qualifications & Experience
- 3+ years of experience in Growth, Business Development, Partnerships, Product Management, Loyalty, Lifestyle propositions or related commercial roles; experience in banking, fintech, payments, telecom, retail or digital ecosystems is preferred.
- Proven experience developing customer propositions, commercial partnerships or loyalty/value-added service models.
- Strong commercial mindset and understanding of customer lifecycle, engagement, retention and cross-sell mechanics.
- Ability to build business cases, assess partnership economics and translate data and customer insights into actionable growth initiatives.
- Strong negotiation, stakeholder management and presentation skills.
- Ability to coordinate cross-functional initiatives and drive implementation from idea to launch and ongoing optimization.
- Proficiency in Armenian, Russian, and English (written and spoken) is required.
Key Competencies
- Commercial & Growth Mindset – identifying and executing opportunities that increase customer and business value.
- Partnership Development – building mutually beneficial relationships and negotiating strong commercial propositions.
- Customer-Centric Thinking – creating relevant lifestyle propositions based on real customer needs and behavior.
- Analytical & Data-Driven – using performance data and insights to prioritize and optimize growth initiatives.
- Execution & Ownership – taking initiatives from concept and business case through implementation and measurable results.
- Innovation & Ecosystem Thinking – connecting banking with relevant non-banking services to create differentiated customer value.

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Updated 23.01.2026 12:57