Own and optimize the enterprise referral program across products and journeys, coupling test-and-learn rigor with cross-functional leadership to drive incremental growth.

• Growth & Incentives: Define hypotheses, pilots, and scalable offers with profitability guardrails and Finance/Analytics input.
• Channel Expansion: Launch and optimize multi-channel growth across app/web, email, branches, and paid touchpoints with aligned targeting and measurement.
• Governance & Stakeholder Alignment: Build consensus in a matrixed organization and translate insights into go-to-market roadmaps and KPI narratives.