Company Context

Frontier is a fast-growing consumer fintech product offering a mobile-first experience for spending, saving, and account management. The company has strong top-of-funnel acquisition, but leadership believes the next phase of growth depends on improving activation and retention inside the core Frontier app rather than simply increasing paid acquisition.

Problem

You are the Product Growth Analyst supporting Frontier's growth pod. Engineering capacity for the next quarter is limited to one squad for 10 weeks, and there are multiple credible growth opportunities competing for the same bandwidth. Recent analysis shows:

• 42% of new users complete sign-up but never fund their account
• Users who fund within 7 days are 2.3x more likely to be retained at 90 days
• Referral traffic converts well, but referred users have lower activation than organic users
• Existing users who set up direct deposit have 35% higher monthly engagement than users who do not

The team has narrowed the roadmap to four candidate bets inside Frontier:

1. Onboarding checklist in the Frontier app to drive first funding
2. Referral flow redesign to improve invite-to-funded conversion
3. Direct deposit setup wizard to increase retention-driving behaviors
4. Personalized lifecycle nudges across push/email for incomplete activation steps

Deliverables

1. Define how you would evaluate and prioritize these growth opportunities for Frontier.
2. Identify the user segments and jobs-to-be-done that matter most for this decision.
3. Recommend which feature or feature set should be built this quarter, and explain the trade-offs.
4. Define the success metrics and leading indicators you would use to judge whether the prioritization was correct.
5. Describe what additional data or research you would want before finalizing the roadmap.

Constraints

• Only enough engineering bandwidth to deliver one major initiative or two tightly scoped smaller ones this quarter
• No pricing changes or incentive spend increases allowed
• Must show measurable impact within one quarter of launch
• Frontier's data instrumentation is good for funnel events, but weak for qualitative user intent and motivation