Email Marketing Lead

About Us

Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

At OpenSky, we believe that everyone has the right to access credit and achieve their financial goals. We have helped over 1.2 million customers get started and continue their path to realizing their financial goals. And we want to help and grow with our customers even more - by expanding our offerings to support them in their credit journey, and providing compelling products and digital solutions for education, advice, and financial services.

OpenSky is a high-growth, data-driven, dynamic, and entrepreneurial environment where you are limited only by your imagination. You’ll work with some of the brightest and most passionate minds in the FinTech industry, and from day one, start having a real impact on consumers’ lives and financial goals.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

The Email Marketing Lead is responsible for building and leading a modern, data-driven email marketing function focused on growth, retention, and customer lifetime value. This role will own the strategy, execution, and optimization of email campaigns across the full customer lifecycle—spanning acquisition, onboarding, engagement, and reactivation.

This role will partner closely with cross-functional stakeholders in Product, Creative, Analytics, Data Science, and Customer Service to create impactful communications that support brand, business, and customer objectives. The Email Marketing Lead will also own the roadmap for the email martech stack and champion best practices around audience segmentation, deliverability, testing, and performance measurement.

Position Responsibilities

1. Lifecycle Strategy & Execution
   1. Design and implement a comprehensive email marketing strategy across all lifecycle stages (acquisitions, nurture, welcome, onboarding, upsell, retention, reactivation, winback, etc.).
   2. Translate segment-specific goals into campaign strategies that drive engagement and action.
   3. Define key moments to influence and reinforce customer behavior across multiple journeys.
   4. Collaborate with Creative and Product teams to ensure consistent messaging and visual alignment with brand and product positioning.
2. Email Campaign Management
   1. Develop, launch, and manage automated communications (email, SMS, push notifications): journeys, campaigns, and one-off sends within Salesforce Marketing Cloud or equivalent platform.
   2. Lead briefing, content QA, targeting, and testing processes for all outbound emails.
   3. Manage email calendars and coordinate closely with acquisition, product, and brand marketing teams.
   4. Create responsive, accessible, mobile-first emails that are optimized for performance.
3. Personalization, Segmentation, and Testing
   1. Implement robust segmentation strategies based on customer behavior, product usage, lifecycle stage, and demographics.
   2. Partner with Analytics to build predictive and behavioral audiences that improve targeting precision.
   3. Design and run A/B and multivariate tests to optimize subject lines, CTAs, content modules, and send times.
   4. Use dynamic content and personalization to drive relevance and response rates.
4. Martech & Data Management
   1. Act as primary owner and power user of the email marketing platform (SFMC or equivalent).
   2. Drive roadmap for new capabilities, integrations, and tools to improve effectiveness and efficiency.
   3. Ensure clean list management, consent tracking, and deliverability best practices.
   4. Coordinate with Data and Engineering to ensure timely and accurate flow of first-party data into the email platform.
5. Measurement, Optimization & Reporting
   1. Define and track KPIs including open/click/conversion rates, opt-out rates, list growth, and contribution to acquisition and retention goals.
   2. Build dashboards and reports for campaign performance, business impact, and test learnings.
   3. Continuously analyze performance and identify areas for improvement.

Experience

• Bachelor's degree in marketing or related field
• 5–7+ years of experience in email or CRM marketing, ideally in a B2C or fintech environment.
• Hands-on experience building campaigns in enterprise email platforms (e.g., Salesforce Marketing Cloud, Braze, Iterable, Klaviyo).
• Strong grasp of email design best practices, deliverability, CAN-SPAM compliance, and audience segmentation strategies.
• Demonstrated success driving lifecycle marketing impact through automation and personalization.
• Proficiency in HTML/CSS for email and email QA tools a plus.
• Familiarity with UTM tracking, GA4, and email attribution models.
• Strong project management skills with ability to manage multiple priorities under tight deadlines.
• Data- and experimentation-oriented mindset.

Preferred Skills

• Experience in financial services, credit, or highly regulated consumer verticals.
• Experience working closely with creative teams and briefing content in-house or with agency partners.
• Background in customer research and message testing a plus.

About Capital Bank

Capital Bank (NASDAQ: CBNK) is not your average financial institution. Founded in 1999, we’ve grown from a community bank into a national, multi-modal financial platform. We serve entrepreneurs, homebuyers, and everyday consumers through three business lines: commercial banking, mortgage lending, and OpenSky®, our digital credit fintech.

We also operate Windsor Advantage, a leading SBA and USDA loan service provider, supporting business owners nationwide. Fueled by an entrepreneurial mindset, we believe that capital—both financial and human—is the engine that powers communities. That belief has helped us grow and innovate across products, markets, and industries.

Compliance

It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject.  Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.

The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position.  Job duties may be changed at any time at management’s discretion. The job description is not intended to create contractual obligations of any kind.

Capital Bank, N.A. is an Affirmative Action and Equal Opportunity Employer