Marketing Leader ( Performance Marketing)

"Rate is one of the nation's top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate's Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology - including Same Day Mortgage, the Rate App, FlashClose, MyAccount and the Language Access Program - has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain's Chicago Business. Learn more at rate.com."

Job Profile:

SVP, Performance Marketing

Job Description Summary:

This role is built for a performance-driven operator who knows how to scale consumer-direct businesses. As Marketing Leader, you will take the CEO's vision and translate it into measurable, high-impact growth across all channels. This is not just an execution role. You will own performance.

You bring a repeatable playbook for building and scaling consumer brands and have done it more than once. You understand how paid media, lifecycle marketing, creative, and product work together as a single growth engine, and you know how to pull each lever to drive efficient, compounding results.

You will work across performance marketing, creative, cross-sell and upsell, direct Mail, and email to drive full-funnel growth. Success in this role requires operating effectively in a highly matrixed environment, influencing across teams, and ensuring every initiative ties back to clear business outcomes.

Rate is already the leader in home purchase mortgages. The company is building toward leadership in HELOC, scaling a top-30 insurance brokerage, and growing the Rate app from 500K to 10M+ users. This role plays a central part in that growth.

Job Description:

Responsibilities

• Own performance marketing strategy and execution across paid media, lifecycle channels (email, push), direct mail, and emerging channels
• Translate company vision into scalable, ROI-driven growth plans across acquisition, engagement, and monetization
• Drive full-funnel performance from acquisition through cross-sell, upsell, and retention
• Partner closely with creative teams to develop, test, and iterate high-performing concepts and messaging
• Work with cross-sell and upsell teams to maximize lifetime value and products per customer
• Lead coordination across marketing, product, sales, and analytics to ensure aligned execution
• Establish structured testing frameworks across creative, channel, audience, and offer, and scale what works
• Build and maintain clear visibility into campaign performance, budgets, forecasts, and results
• Identify growth opportunities across mortgage, HELOC, insurance, and app ecosystems
• Drive operational rigor across workflows, timelines, and cross-functional collaboration
• Act as a force multiplier by removing friction, accelerating execution, and raising performance standards

KPI Ownership

• Acquisition and Growth: app downloads, new users, CAC/CPA, channel efficiency
• Engagement: MAU, DAU, DAU/MAU ratio, session frequency
• Retention: 30/60/90-day retention, churn, cohort performance
• Revenue: total revenue, ARPU, contribution from non-mortgage products
• Cross-Sell and Upsell: cross-sell rate, products per customer, multi-product conversion
• Unit Economics: LTV/CAC, payback period, marginal CAC by channel
• Lifecycle Performance: email and direct mail conversion rates, open and click rates, reactivation
• Creative Performance: CTR, CVR, creative-level ROI, fatigue indicators
• Product Adoption: engagement with key app features, including AI-driven experiences

Requirements

• 8+ years of experience in performance marketing, growth, or consumer marketing leadership roles
• Proven track record of building and scaling consumer-direct brands
• Deep expertise in paid acquisition (search, social, display), lifecycle marketing (email, SMS, push), and offline channels such as direct mail
• Strong understanding of full-funnel economics including CAC, LTV, payback periods, and attribution
• Experience driving cross-sell and upsell across multiple product lines
• Ability to lead and influence in a matrixed organization without direct authority
• Data-driven mindset with strong analytical skills and a focus on testing and iteration
• Strong partnership with creative teams and a clear perspective on what drives performance
• High level of execution with strong attention to detail and speed
• Comfortable operating in a fast-paced, high-growth environment with ambitious targets

Additional Job Description Summary:

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

The company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

Please click this link to learn more about our benefit offerings for Washington State: Benefit Offerings for Washington State