Director of Growth Optimization

TransferGo is a growing fintech scale-up on a mission to champion financial freedom with care. We strive to provide tailored, more affordable financial services that make people's hard-earned money go further. Now in our 14th year, with close to 400 employees in offices across Europe and the UK, we’re crafting a brilliant, relevant product that makes a difference in people's lives and the well-being of their families. We’ve come this far by building a talented, diverse workforce on a fair culture and our strong values. Having this strong team of employees, we can serve those who really need our product to make their lives better. Why TransferGo We exist for people in between places — migrants, expats, students, returning families and international professionals building a life abroad while continuing to support life back home. For over a decade, TransferGo has built products for that reality: cross-border transfers, multi-currency accounts, cards, newcomer banking and a growing financial ecosystem serving international communities across multiple markets. As TransferGo evolves beyond remittance into a broader financial platform, growth is no longer only about acquiring new customers. Our next phase of growth will come from helping customers discover more value, build stronger habits, stay engaged longer, adopt more products and become advocates who bring others with them. That's why we're building a dedicated Growth Optimisation function. About the Role Growth at TransferGo is changing. Historically, growth was driven primarily by acquisition. Tomorrow, growth will increasingly come from activation, engagement, product adoption, referrals, monetisation and customer advocacy. We are looking for the leader who will build that engine. As Director, Growth Optimisation, you will own the systems that turn customers into active users, active users into loyal customers and loyal customers into advocates. You will sit at the intersection of Product, Pricing, Data and Marketing, identifying where growth exists, proving it through experimentation and scaling it across the business. Some weeks you may be redesigning onboarding journeys. Some weeks you may be testing subscription models. Some weeks you may be improving referral economics or building AI-powered lifecycle systems. The common thread is simple: Find growth. Prove it. Scale it. You will report directly to the VP Growth & Marketing and work as a peer to the Director of Brand Marketing & Demand and the Growth Intelligence Strategist. Your north-star metric is Incremental MAU . What You'll Own Customer Growth You will own the systems that help customers discover value faster, build stronger habits and engage more deeply with TransferGo over time. This includes: CRM and lifecycle strategy. Activation, engagement, retention and reactivation programmes. Customer habit formation and long-term value growth. AI-enabled lifecycle automation and personalisation. Primary KPI: Incremental MAU Product Growth You will be Product's primary growth partner, helping identify and prioritise the opportunities with the greatest impact on customer growth. Working closely with Product, Pricing and Engineering, you will: Improve onboarding and activation experiences. Increase conversion across key customer journeys. Accelerate adoption of cards, multi-currency accounts, subscriptions and future products. Design and validate growth experiments. Identify friction and remove barriers to customer success. You won't manage Product teams directly, but you will play a key role in shaping where growth investment happens. Primary KPI: Activation Rate Referral Growth You will own TransferGo's referral engine and customer advocacy programmes. Your focus will be turning satisfied customers into active promoters of the business. This includes: Referral strategy and mechanics. Referral participation and conversion. Referral economics and optimisation. Partnership with local market teams to drive adoption. Primary KP