The Challenge
LCL (Crédit Agricole) is betting big on savings products—they represent 50% of their deposit base and are core to bank profitability. You'll own the marketing strategy for balance sheet savings, driving both customer satisfaction and revenue growth in a hyper-regulated, competitive market.
Your Mission
Map current savings product portfolio and identify 2-3 quick wins for differentiation vs. competitors
Establish cross-functional working cadence with internal teams (product, commercial, compliance) and external stakeholders (Crédit Agricole group entities)
Audit existing customer messaging and collateral; recommend 3 messaging refreshes aligned with brand positioning
Define baseline KPIs for savings product awareness, conversion, and NPS within your segment
Launch 2 new marketing campaigns (digital + branch) targeting net new deposits in savings products with measurable uptake targets
Increase PNB (Net Banking Income) from savings products by 8-12% through optimized product positioning and commercial enablement
Develop ongoing competitive intelligence program; publish quarterly market trends report
Build marketing playbook for sales team: messaging guidelines, collateral templates, performance dashboards
KPIs You'll Own
PNB (Net Banking Income) - Savings
Primary revenue metric tracking profitability from savings product segment.
Deposit Collection Rate (Collecte)
Volume and value of new savings deposits acquired; monitors portfolio growth.
Customer Satisfaction (NPS/CSAT)
Measures experience quality and loyalty; targets 'highest standards of the market.'
Product Penetration Rate
% of customer base with active savings products; indicates reach and engagement.
Campaign ROI / Cost per Acquisition
Marketing efficiency metric; tracks spend against new deposits and PNB generated.
Tools & Stack
Your Team
Your Manager
Direction Epargne (Savings Direction) leadership
Current Team
Cross-functional team including product, commercial (branch network), compliance, risk, and finance stakeholders; external partners from Crédit Agricole group entities
New role filling gap in marketing/operational capacity for balance sheet savings segment
The Package
Salary
€45K-€55K base
Variable
Likely 10-15% performance bonus tied to PNB and collection targets
Remote
On-site, Villejuif (Paris area). No flexibility mentioned; banking sector typically on-site for collaboration and compliance.
Benefits & Perks
Company Intelligence
LCL is Crédit Agricole's retail banking subsidiary, serving 5M+ customers in France with deposits, lending, and savings products. Crédit Agricole Group is one of Europe's largest banks (€157K employees globally) and is deeply committed to ESG and financial inclusion. Savings products are non-negotiable to the bank's balance sheet health and profitability model.
Team Size
157000
Customers
5M+ retail customers (LCL)
Culture
Customer-centric, ESG-focused, hierarchical but collaborative within teams. Strong emphasis on continuous improvement and challenge-driven mindset.
Is This Role For You?
- You have a business school, engineering, or university degree and can speak 'bank' while thinking like a marketer
- You thrive in cross-functional, matrixed environments and can navigate competing stakeholder priorities without losing focus
- You're obsessed with metrics: conversion rates, ROI, customer acquisition costs, and lifecycle value—data drives your strategy
- You see regulatory constraints as features, not bugs; compliance and risk are non-negotiable partners, not roadblocks
- You want to own a $2B+ revenue segment and move the needle on a bank's profitability
- You need full remote flexibility or regular WFH days; this role is on-site in Paris and banking culture expects physical presence for relationship-building
- You're impatient with bureaucracy—French banking is regulated, hierarchical, and decision-making is slower than fintech startups
- You don't speak French fluently; internal stakeholders, compliance docs, and daily comms are in French; English is secondary
- You expect fast product iteration and autonomous decision-making; you'll need buy-in from product, compliance, risk, and finance at every step
Interview Process
1. Phone Screen / HR Intake
30 min with LCL HR or recruiter. Confirm fit, motivation, French fluency, and availability.
2. Marketing Case Study / Take-Home
Small assignment: analyze a savings product segment, recommend positioning/messaging/campaign ideas. 2-3 hours work.
3. Interview with Direction Epargne Manager
45-60 min. Deep dive into your cross-functional collaboration experience, understanding of banking/savings, and commercial acumen.
4. Panel Interview (Product + Commercial Leads)
60 min group interview with key stakeholders you'll work with. Assess communication, alignment, and ability to handle competing priorities.
5. Final Interview (Director-Level)
30 min with Direction Epargne Director. Strategic vision, long-term thinking, fit with banking culture and ESR mission.
Interested in this role?
Apply now and hear back within days, not weeks.
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