Head of Consumer Growth

Head of Consumer Growth

Sum Up is building a consumer financial product with a distribution advantage that almost no other fintech can replicate.

More than four million merchants use Sum Up, and more than a billion consumers come into contact with our products each year.

We now have the opportunity to turn that reach into one of the world’s largest consumer financial ecosystems.

Our consumer product is already live across six European markets.

The next challenge is to grow it from an emerging proposition into a product used by millions of consumers and this role will lead that journey.

Head of Consumer Growth , you will own the go-to-market strategy, commercial growth plan and acquisition engine for Sum Up’s consumer product.

You will build the consumer growth function from its current early stage, bringing together performance marketing, direct-to-consumer acquisition, merchant-led distribution, CRM, creative and content.

You will combine proven consumer growth channels with an opportunity unique to Sum

Up: turning our merchant network and consumer touchpoints into a powerful new route to market.

From paid acquisition, referrals and lifecycle marketing to receipts, payment screens, merchant communications and in-store experiences, you will determine how Sum Up reaches, converts and retains millions of consumers.

Our ambition goes beyond building another successful consumer finance product.

By connecting consumers and merchants within the same ecosystem, we can change the economics of payments.

The more consumers who choose to pay with Sum Up, the closer we move towards our long‑term ambition of eliminating transaction fees for businesses around the world.

• What you’ll do
• Own the go-to-market strategy and growth plan for Sum Up’s consumer product across six European markets.
• Build and lead a multidisciplinary consumer growth team spanning performance marketing, merchant-led acquisition, direct-to-consumer marketing, CRM, design and content.
• Develop a balanced acquisition model that combines proven consumer growth channels with Sum Up’s unique merchant network and consumer touchpoints.
• Take commercial ownership of growth investment, including channel mix, acquisition cost, incentives, promotions, attribution and forecasting.
• Establish a rigorous test-and-learn programme, turning successful experiments into repeatable playbooks that can scale across markets.
• Own the consumer GTM roadmap, ensuring product launches, propositions and campaigns are coordinated across channels and markets.
• Partner closely with Product, Brand, Communications and Sum Up’s wider GTM organisation to sharpen the proposition, improve conversion and activate relevant channels across the business.
• Represent consumer growth in leadership discussions, bringing clarity to performance, investment decisions and the trade-offs required to scale.
• You’ll be great for this role if you have
• A strong track record of leading full‑funnel growth for a consumer fintech, neobank, financial services product or high‑growth consumer app.
• Experience scaling a consumer proposition across multiple markets and through a comparable stage of growth.
• Deep expertise in acquisition strategy, channel mix, attribution, customer acquisition cost, lifecycle growth and unit economics.
• Experience building and leading multidisciplinary growth teams while remaining comfortable operating hands‑on.
• Strong commercial judgement and a track record of making effective investment decisions under uncertainty.
• The ability to work across Product, Brand, Analytics, Communications and local market teams within a complex organisation.
• A rigorous experimentation mindset and the ability to operate quickly and pragmatically in an early‑stage environment.
• Familiarity with financial services marketing regulations and the judgement to work within them without losing creativity or pace.

This is an opportunity to build more than a marketing team.

You will create the growth model for a consumer financial product with the potential to operate at global scale, turn one of the world’s largest merchant networks into a powerful distribution channel, and help Sum Up build a new payments ecosystem that works better for consumers and businesses around the world.

• Why you should join Sum Up
• Opportunity to work with a truly global, multicultural team from our central London Bridge location, wrapped in historic charm and modern flair.
• This involves an office‑first setup
• Commitment to Diversity and

Inclusion: be part of a workplace that values and promotes diversity, fostering an inclusive environment where everyone's perspectives are respected and embraced

• Enrolment onto our Virtual Stock Option programme: you will own a stake in Sum Up's future success
• Generous time off: enjoy 28 days of paid leave, plus bank holidays and special leaves
• A dedicated annual L&D budget for attending conferences and/or advancing your career through further education
• Health matters: private health insurance, including optical and dental
• Life made easier: salary‑sacrifice commuter benefits via Gogeta
• Financial security: retirement scheme (Sum Up matches 7% when you contribute 5%)
• Peace of mind: life insurance from Met Life for 2× your salary
• Break4me: 1-month sabbatical after 3 years of service
• Referral Bonus: earn additional rewards by referring talented individuals to join the Sum Up team
• About Sum Up

Be empowered to do more that matters.

At Sum Up, we're on a mission to empower small businesses across the globe by providing simple and affordable tools that allow them to thrive.

Today, over 4 million businesses in 37 markets rely on Sum Up as their financial partner to manage payments, finance and customer relationships.

Our commitment to small businesses is reflected in our diverse team of over 3,000 Sum Uppers from over 90 nationalities, united by global collaboration and an innovative mindset.

Our core values lay the foundation for who we are and what we stand for, shaping our work culture and driving our success.

We foster inclusivity and a continuous learning culture, providing a safe space for personal and professional growth.

Our differences make us unique and strong as we strive to create an environment where everyone belongs and feels supported, no matter how they identify.

Sum Up is proud to be an Equal Employment Opportunity employer, actively seeking and embracing diversity in our workforce.

We don't make hiring or employment decisions based on race, colour, religion or religious belief, ethnic or national origin, nationality, sex, gender, gender identity, sexual orientation, disability, age or any other basis protected by applicable laws or prohibited by company policy.

Our commitment extends beyond recruitment to creating a safe and respectful workplace where harassment of any form is strictly prohibited.

Discover more about our culture and opportunities on our careers website, and follow our journey on Linked In, Instagram, and Tik Tok.

Job Application Tip

We recognise that candidates feel they need to meet 100% of the job criteria in order to apply for a job.

Please note that this is only a guide.

If you don’t tick every box, it’s ok too because it means you have room to learn and develop your career at Sum Up.

#J-18808-Ljbffr