Head of X-Sell

At NOVACARD, we’re redefining how people use credit. We are the first interest-free and no-annual-fee credit card in Mexico, designed to simplify personal finances and give users complete control - all from a mobile app. With NOVACARD, users can access up to $200,000 MXN in credit, only pay when they use it, and manage everything digitally in under 5 minutes. Our mission is to empower people to make smarter financial decisions by offering flexibility, transparency, and the freedom they need to reach their goals. Simple finances, big goals.

• Develop and own the cross-sell strategy and roadmap for Cash Loans and Credit Lines, identifying high-potential customer segments for multi-product adoption.

• Design targeted cross-sell value propositions that sit at the intersection of customer needs, product eligibility, tech feasibility, and financial return.

• Own the cross-sell P&L and track core metrics: cross-sell take-up rate, products-per-customer ratio, time-to-second-product, incremental revenue per customer, activation and usage of the second product, and overall LTV uplift.

• Architect end-to-end cross-sell customer journeys — from in-app triggers and pre-approved offers to seamless onboarding for a second product — ensuring a frictionless experience that deepens engagement.

• Identify and build partnership integrations (online/offline retailers, ecosystems) that serve as cross-sell channels or co-branded triggers for existing customers.

• Continuously analyze and optimize unit economics (UE) of cross-sell initiatives, balancing acquisition-like incentives with long-term portfolio profitability.

• Build and manage the cross-sell product management process, define a success matrix for cross-sell initiatives, and run a prioritized experimentation roadmap.

• Work cross-functionally with risk, marketing (CRM, lifecycle), IT, finance, and legal teams to align cross-sell campaigns with credit policies, communication governance, and tech delivery (both locally and with HQ).

• Drive continuous improvement of the cross-sell customer journey (CJM), ensuring that every touchpoint reinforces trust and value, and that new features meet cost, quality, and performance targets.

• Solid experience in consumer lending (Cash Loans, Credit Lines, Credit Cards, PDL, or other unsecured credit) on the business or risk management side — mandatory.

• Proven track record of driving cross-sell, up-sell, or multi-product adoption in a financial services or fintech environment is a strong advantage.

• Deep understanding of adjacent functions: risk management, lifecycle marketing, and IT.

• Strong upper-intermediate English (both spoken and written) — required for regular communication with international teams and HQ.

• Powerful analytical skills, ability to frame cross-sell as a product discipline, out-of-the-box thinking, and flexibility. Comfortable managing multiple experiments and initiatives simultaneously.

• Genuine curiosity about customer behavior, openness to new ideas, and advanced communication and stakeholder management skills.