Who We Are

As seen in TechCrunch, Forbes, and Bloomberg, TomoCredit is one of the fastest-growing startups in fintech.

We’re building the AI agent for personal finance.

The traditional credit system is broken — opaque, exclusionary, and outdated. Our mission is to rebuild financial access using AI, real-time data, and intelligent automation to help millions build stronger financial futures.

Headquartered in San Francisco, TomoCredit is led by one of Inc.’s Top Female Founders and powered by a team from Square, American Express, and Lending Club.

We value high-agency, detail-oriented individuals who think big, move fast, and take ownership.

If you’re excited about building an AI-powered financial product used by millions — and want real responsibility early in your career — we want to meet you.

This is a full-time, onsite role based in our San Francisco headquarters.

About the Role

We’re hiring a Marketing Associate – Growth & Activation to help scale our acquisition, activation, and lifecycle engine.

This is a hands-on, execution-focused role with direct revenue impact.

You will work across:

• Performance marketing
   
• Product marketing
   
• Activation & onboarding
   
• Lifecycle marketing
   
• AI-driven personalization
   

You won’t be siloed into one channel.

You’ll help build the growth engine end-to-end.

What You’ll Own

Activation & Conversion

• Improve signup → funded account conversion
   
• Analyze funnel drop-offs and identify friction
   
• Ship onboarding and messaging experiments
   

Lifecycle Execution

• Build and launch campaigns across email, SMS, push, and in-app messaging
   
• Write copy, create segments, QA flows, and move quickly
   
• Increase engagement and retention
   

Performance Marketing

• Support paid campaigns (Meta, Google, TikTok, etc.)
   
• Improve targeting, messaging, and conversion rates
   
• Monitor CAC and funnel metrics
   

AI-Powered Personalization

• Work with Product and Data to implement AI-driven segmentation
   
• Leverage behavioral data to improve targeting and timing
   
• Help test predictive and automated messaging strategies
   

Experimentation & Analytics

• Run A/B tests across incentives, messaging, timing, and channels
   
• Analyze cohort behavior and performance trends
   
• Turn data into actionable insights
   

Who You Are

Early-Career, High Potential

• 1–4 years of experience in marketing, growth, analytics, consulting, or startup roles
   
• Strong academic background preferred
   

Builder First

• You like executing, not just strategizing
   
• You’re comfortable being inside tools and shipping campaigns yourself
   

Analytical & Data Curious

• Strong Excel/Google Sheets skills required
   
• Familiarity with GA4, Looker, Amplitude, or similar tools is a plus
   
• You understand basic funnel math and conversion metrics
   

Experimentation Mindset

• Curious and hypothesis-driven
   
• Comfortable making decisions with imperfect information
   
• Energized by testing and learning quickly
   

Startup Mentality

• You prefer ownership over bureaucracy
   
• You move fast and figure things out
   
• You want to see direct impact on company revenue
   

Why Join Tomo

• Own meaningful growth initiatives early in your career
   
• Work at the intersection of AI, fintech, and real-world impact
   
• Operate alongside a high-caliber, execution-focused team
   
• Competitive compensation, equity, and full benefits
   
• Build something that improves financial access for millions
   

Our Commitment to Diversity

TomoCredit is proud to be an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We welcome applicants of all backgrounds, regardless of race, religion, gender identity, sexual orientation, age, disability, or veteran status.