Job Purpose:Managing and executing Customer Value Management (CVM) strategies to maximize customer lifetime value, drive engagement, retention, and cross-sell/upsell across all consumer finance products and ensure effective segmentation, targeted campaigns, and data-driven decision-making to enhance customer experience and business performance, while maintaining compliance with regulatory standards.Main Responsibilities:Support the development and execution of CVM strategies to drive business growth, revenue, and customer loyalty. Design and manage customer segmentation models based on behavior, lifecycle stage, profitability, and engagement patterns. Plan and execute targeted campaigns for acquisition, activation, retention, reactivation, cross-sell, and upselling opportunities. Analyze customer data and insights to identify opportunities that increase engagement, usage, and lifetime value. Monitor and optimize end-to-end customer journeys across digital channels, call center, and branch touchpoints. Collaborate with Product, Sales, and Customer Experience teams to improve customer lifecycle performance and satisfaction. Develop personalized communication strategies through SMS, push notifications, email, and in-app messaging channels. Track campaign performance metrics, evaluate results, and recommend optimization actions to maximize ROI. Ensure effective A/B testing of campaigns, offers, and communication strategies to improve conversion rates. Work closely with Data and BI teams to build dashboards and monitor key CVM KPIs and trends. Identify churn drivers, at-risk segments, and implement retention strategies to reduce customer attrition. Support product launches with targeted CVM campaigns, onboarding journeys, and communication plans. Ensure all customer communications are clear, relevant, customer-friendly, and compliant with regulatory standards. Coordinate with Compliance and Legal teams to secure approvals for campaigns, offers, and communications. Monitor market trends, competitor activities, and evolving customer behavior to identify new growth opportunities. Job Requirements:Bachelor’s degree in marketing, Business Administration, or related field2-3 years of experience in CRM / CVM / Digital Marketing Experience in fintech, banking, telecom or e-commerce preferred Brand Customer segmentation & lifecycle management Data analysis & insights generation Campaign management • Strong communication skills Analytical thinking Stakeholder management Understanding of customer behavior CRM & CVM certifications Digital marketing certifications Data analytics training Good Command of English