Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

We’re on a mission to make homeownership simple, transparent, and more rewarding for everyone. Lower combines technology, data, and personalized support to help people achieve their goals across the entire homeownership journey—from finding a home with Movoto, to getting financing through Lower, to building wealth with home equity.

We’re a team of builders, dreamers, and doers who believe in creating smarter ways for people to own homes.

We’re looking for a Lifecycle Marketing expert to build and scale our CRM program across Lower and Movoto. This is a high-impact role where you’ll own the strategy and execution of multi-channel lifecycle programs (email, SMS) from the ground up.

You’ll design programs that convert prospects into customers and re-engage past customers with meaningful, personalized journeys. This role is highly strategic but also hands-on—you’ll set the vision, execute campaigns, and work closely with data, product, and creative partners to deliver impact. You will also manage a lifecycle marketer who will support execution.

What you’ll do:

• Own lifecycle strategy & execution across Lower and Movoto, driving conversion, retention, cross-sell, and customer loyalty.
• Build programs from scratch: onboarding flows, nurture journeys, re-engagement campaigns, repeat-customer paths.
• Segment & personalize: Build enriched audiences using our customer database and 3rd-party datasets, test messaging, and scale personalization frameworks.
• Lead with data: define KPIs, run A/B tests, and report on performance with insights and recommended actions.
• Collaborate cross-functionally: work with data/engineering to ensure systems (Braze, Iterable) are powering the right journeys; with product/UX to embed messaging in user experiences; with creative/copy to tell compelling stories.
• Innovate: push beyond “batch and blast” to deliver best-in-class lifecycle programs that drive measurable results.

Who you are:

• 5+ years in lifecycle marketing, ideally in fintech, mortgage, or proptech.
• Proven track record of building and scaling lifecycle programs with measurable contribution to revenue and EBITDA.
• Strategic thinker who is also hands-on—comfortable setting direction and executing campaigns.
• Analytical mindset: you live in dashboards, measure impact rigorously, and identify new ways to optimize.
• Creative communicator: strong writing/editing skills with an eye for storytelling and solution-focused messaging.
• Deep knowledge of lifecycle tools (Braze, Iterable, or similar) and how to integrate them with data pipelines.
• Experience with personalization, segmentation, and A/B testing at scale.
• Thrives in a fast-moving environment, with strong planning and follow-through.
• Experience in regulated industries (mortgage, financial services, real estate) a plus.

Why you’ll love working at Lower:

• Impact: This role directly drives revenue growth and customer retention across Lower and Movoto.
• Autonomy: You’ll design the lifecycle program from the ground up and shape the long-term vision.
• Growth: Be part of a high-performing marketing org, with opportunities to grow your career as we scale.
• Mission: Help more people achieve and sustain homeownership—one of life’s biggest goals.

Plus:

• Competitive compensation plan
• Extended benefit offerings including: Medical/dental/vision
• Paid holidays
• Paid time off
• Parental leave
• Life insurance
• Short- and long-term disability
• 401K with company match
• Discount on home mortgage refinances or purchase

Job Type: Full-time

Work Location: Hybrid in either Columbus, OH or Austin, TX

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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