O

OppFi

Tech-enabled lending platform with community banks

Head of Lifecycle & Brand Marketing

Full-Time
$148k - $222k+ Performance-based bonus + Equity grants
Expert
Remote in USA
Remote
Growth & MarketingGrowth Marketing

About the job

Requirements
  • 10+ years of marketing experience focused on customer marketing.
  • 6+ years of inspiring, managing, and coaching people and teams.
  • FinTech experience and knowledge of working in a highly regulated environment.
  • Ability to break down complex problems, navigate whitespace, and prioritize multiple initiatives to deliver strategic roadmaps that meet and exceed key performance indicators.
  • Expertise in brand tone, voice, look, and feel, with the ability to provide concise creative solutions and feedback.
  • Ability to collaborate within cross-functional teams and build strong relationships across organizational functions.
  • Outstanding communication skills and the ability to establish credibility with stakeholders to effectively set and maintain priorities.
  • Ability to identify industry trends and best practices.
  • Experience delivering marketing via customer relationship management platforms, specifically Braze.
  • Familiarity with design, prototyping, project management, program management, and development lifecycle tools such as Figma, Monday, and Jira.
  • Demonstrated ability to manage a team of 4+ direct reports.
  • Understanding of basic marketing law and guidelines, balanced with a strategic understanding of business objectives.
  • Hands-on ability to perform key marketing updates in large-scale customer relationship management platforms.
Responsibilities
  • Develop communication strategies to increase customer conversion at every touchpoint, with new loan originations and customer repayment as primary focal points.
  • Drive the overall communications strategy and roadmap, including channels such as email, SMS, and website, and act as the primary strategic owner of Braze platform architecture.
  • Partner with Data to understand customer progression, develop meaningful cohorts, identify lifecycle drop-off points, and uncover behaviors and interventions that drive greater customer value.
  • Lead communications strategy for operational and transactional communications, including payments, servicing, and collections.
  • Partner with Product leaders to integrate smart marketing with technology to deliver product marketing experiences.
  • Own lifecycle key performance indicators and explain how they relate to the broader business; regularly escalate metrics to senior leadership.
  • Define and own brand and creative standards, voice, and tone across product lines, and collaborate with channel leads on implementation.
  • Represent brand and creative in executive leadership forums and shape company-wide go-to-market strategy.
  • Use consumer insights and business intelligence to develop and refine customer design targets, brand positioning, and brand identity, including logo, tone of voice, and visual identity; integrate brand guidelines into product lifecycle campaigns.
  • Use customer Net Promoter Score, competitive intelligence, and qualitative insights to monitor the customer experience.
  • Lead, mentor, and scale a team of Lifecycle Marketers, Design, and MarTech, with 4+ direct reports, ensuring day-to-day campaign execution in Braze and fostering continuous A/B testing and optimization.
  • Recruit and mentor talent while building an engaged, success-oriented team environment.
  • Promote a supervised test-and-learn environment that drives returns on marketing investment and marketing efficiencies.

About the company

OppFi partners with community banks to expand access to credit for everyday Americans who are often denied by traditional lenders. It uses technology to enable the underwriting, origination, and servicing of personal loans through these bank partners, with a focus on responsible lending and financial inclusion. Revenue comes from interest and fees on these loans, while emphasis on best-in-class customer service and transparency supports positive financial outcomes for clients. Unlike lenders that operate alone, OppFi differentiates itself by linking community banks with a tech-enabled platform to reach underserved borrowers and help them rebuild financial health. The company’s goal is to broaden credit access while promoting responsible lending and measurable improvements in the financial well-being of its customers.

Company Size

201-500

Company Stage

IPO

Headquarters

Chicago, Illinois

Founded

2012

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Simplify's Take

What believers are saying

  • Q2 2026 revenue reached $145 million, a quarterly record despite weaker earnings.
  • OppFi submitted BNC regulatory applications on August 2026 and targets a Q4 close.
  • Management still targets about $3 EPS by 2028, with BNC and line-of-credit growth.

What critics are saying

  • California DFPI can appeal the May 19, 2026 ruling and revive usury pressure.
  • OCC approval for BNC closes in Q4 2026; any delay hits funding economics.
  • If the September line-of-credit launch slips again, 2026 guidance gets cut further.

What makes OppFi unique

  • OppFi’s bank-partner model gained strength after the May 19, 2026 California victory.
  • BNC National Bank adds deposits, enabling lower-cost funding and a wider state footprint.
  • Model 6 underwriting and LOLA integration keep approvals fast while tightening credit discipline.

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Benefits

  • Generous vacation
  • Insurance benefits
  • 401(k) matching
  • Employee Assistance Program
  • Tuition reimbursement
  • Subsidies for childcare costs, free financial literacy tools, 6 paid weeks of parental leave
  • Collaborative and supportive company culture

Company News

Yahoo Finance
Aug 20th, 2026
OppFi cuts 2026 guidance as net income drops 27% but holds $3 EPS target for 2028

OppFi reported second-quarter 2026 revenue of $145 million, up 1.9% year-over-year and a quarterly record. However, adjusted net income fell 27% to approximately $29 million, prompting management to cut full-year guidance whilst maintaining its 2028 target of roughly $3 in EPS. The company is pursuing acquisition of BNC National Bank, with regulatory applications submitted and a planned fourth-quarter close. Management projects at least 10% return on assets and 35% return on equity by 2028. Originations declined 9% to $212 million as underwriting tightened. Net charge-offs climbed to 40% of revenue from 32% previously. Adjusted EPS dropped to $0.33 from $0.45. OppFi reduced 2026 guidance to $600-625 million revenue and $1.34-1.51 adjusted EPS. The company ended the quarter with $92 million cash and $173.5 million unused funding capacity.

Associated Press
Aug 11th, 2026
OppFi reports record $145.2M revenue but adjusted EPS falls 27% to $0.33

Stonegate Capital Partners has updated its coverage of OppFi, Inc. following the company's second-quarter 2026 results. OppFi reported revenue of $145.2 million, up 1.9% year-on-year, marking a quarterly record. However, adjusted net income fell 27% to $28.8 million, with adjusted EPS declining to $0.33 from $0.45. The weaker earnings reflect delayed product initiatives and macroeconomic pressure on consumer affordability. Management is prioritising credit quality over volume growth, with net charge-offs improving sequentially to 39.5% of revenue from 42.5% in the first quarter. Stonegate notes that OppFi's longer-term growth strategy remains intact, centred on its line-of-credit launch, product migration, and pending BNCC acquisition. Management continues to target approximately $3.00 of EPS by 2028, with the BNCC deal expected to close in the fourth quarter of 2026.

PR Newswire
Aug 10th, 2026
OppFi reports record Q2 revenue of $145.2M, net income up 36%

OppFi reported record second quarter revenue of $145.2 million, marking a 1.9% year-over-year increase. The tech-enabled digital finance platform also saw net income rise 36.0% to $15.6 million for the quarter ended 30 June 2026. CEO Todd Schwartz highlighted the company's strategic transformation, including its pending acquisition of BNCCORP and BNC National Bank, and the upcoming launch of a new line of credit product. OppFi partners with banks to offer financial products to underserved Americans. During the first half of 2026, the company repurchased $11.2 million of its Class A common stock at an average price of $9.46 per share. The share buyback programme, authorised in May 2026, totals $40 million.

Yahoo Finance
Aug 7th, 2026
OppFi to report Q2 2026 earnings on 10 August as GF Value suggests 74% downside

OppFi Inc is scheduled to release its Q2 2026 earnings on 10 August 2026. Analysts expect revenue of $155.9 million and earnings of $0.42 per share for the quarter. For the full year 2026, revenue is forecast at $657.22 million with earnings of $2.12 per share. Over the past 90 days, full-year revenue estimates have declined from $660.47 million, whilst earnings estimates increased from $2.05 per share. In Q1 2026, OppFi beat expectations with revenue of $151.88 million and earnings of $0.63 per share, surpassing analyst forecasts by 0.49% and 164.71% respectively. The stock rose 1.44% following the results. Three analysts give an average price target of $14, suggesting 43.44% upside from the current price of $9.76.

Associated Press
May 8th, 2026
OppFi shifts to bank-enabled model with $1B BNCC acquisition targeting 25%+ EPS accretion

OppFi, a fintech lender, reported steady first-quarter 2026 results whilst shifting towards a bank-enabled, deposit-funded model through its pending BNCC acquisition. Revenue increased 8.3% year-on-year to a record $151.9 million, and receivables grew 9.4% to $444.9 million, despite net originations declining 7.0% to $176.0 million. The BNCC acquisition is expected to add approximately $1.0 billion in low-cost deposits and drive over 25% adjusted earnings per share accretion in the first year. Management maintained full-year 2026 guidance of $650 million to $675 million in revenue and $1.76 to $1.84 adjusted EPS. The company is investing in platform expansion, with new product launches planned throughout 2026, including a line of credit offering this summer.