In this global product role, I am responsible for developing/executing an international acquisition platform strategy that can facilitate account opening/decisioning for all Amex lines of businesses across 20 different countries with varying regulatory, privacy, and compliance standards. This role includes a large geographically dispersed product and tech team, data hygiene strategy, international compliance/regulatory expertise, platform modernization/consolidation, machine learning and other platform innovations. This role faces off directly with multiple line-of-business owners, regional/country managers, and enterprise data teams with their own strategic roadmap and goals. As such, facilitating strategic alignment and a sequenced roadmap is paramount to my success in this role.

I am responsible for the E2E product development lifecycle of our BNPL card based products. This includes leadership/partnership in product strategy, product roadmap development/prioritization , business development, contract negotiation, product design and build, marketing, servicing , and GTM readiness. Responsibilities also include management of multiple technology teams and product managers across the US and India. Products include My Chase Plan, My Chase Loan and others.

As the VP of Lending Innovation, I am responsible for the strategy, delivery, and financial health, of our on card lending products and capabilities. A key fixture of my work includes building a multi-year product development roadmap to address the bank’s position in the Buy Now Pay Later financial space. This includes collaboration and negotiation with our many card GM’s, horizontal stakeholders, and external partners.

Develops strategic recommendations for the build of digital experiences that enable online acquisition, on-boarding ,money movement, and digital self-service for all new deposit products in line with there targeted KPI.Oversees product delivery for digital experiences across web and mobile channels including coordination across 5 area product groups and over 40 enterprise technical teams.Manages digital PNL for new deposit products including financial business casing, technical allocation, and prioritization of spend across all requested digital builds.Serves as the SME of web and mobile digital experiences for business banking products, including command of customer penetration and satisfaction metrics, digital user journeys, design paradigms, and technical limitations. Leads the charge for the SAFE approach to agile delivery, including the build of educational tools on design thinking, increment planning, and collocated delivery. Makes time regularly to serve as a mentor for diversity and inclusion programs including the summer program for African American college students , the intern program for African American college students , and the post college immersion program for diverse hires.

Developing the product strategy and implementation sequencing of payment features including ACH Transfers, Wires, BillPay, Invoicing, Remote Deposit Capture across Capital One Small Business Web and Mobile platforms. Developing a framework for universal limits/risks, that assigns universal deposit capabilities across money movement ecosystems; assigning the customer one unique deposit experience agnostic of where and how they deposit their money.Developing a payment engine capable of using business intelligence to fuel a decision engine that gives customers the ability to set deposit thresholds and use alternate products to move money to meet scheduled obligations when the account deposit value is below the set threshold amount. Implementing a scanner deposit solution for high deposit need customers that plugs-in to the existing Capital One payment ecosystem. Connecting salesforce as a system of record and contact strategy apparatus for wires executed digitally on the Capital One Small Business website or mobile app. Providing UI upgrades to the existing Capital One Small Business Remote Deposit feature that expedites the deposit experience. Exploring the Small Business Use Case for integrating with Zelle as a get paid option on our digital platform.

Develops the organizational strategy that sequences coordination between multiple business areas (legal, compliance, marketing, risk, product, and engineering) in route to implementing complex technology projects. Projects managed include: Launched Small Business Nationally: Managed the national launch of Capital One Small Business Product Offerings (checking, savings, loan). Project required monitoring of system reliability metrics, staffing of contact center associates in accordance with customer acquisition projections, and launch dates for marketing campaigns..Transitioned Small Business Servicing from Branches to Cafes: Integrated Small Business products with the Capital One Cafe models in Seattle & Miami. Project required aligning branch closings with Cafe openings, facilitation of associate training materials, and monitoring of a diverse portfolio of marketing campaigns aimed at driving business to various Cafe locations across two different coast..Unified Small Business Mobile Offerings. Decommissioned the stand alone Small Business mobile solution opening a pathway for unifying Small Business with the Enterprise mobile solutions used by Credit Card and Consumer bank.Improved Digital Account Opening. Lead improvements to front end accept/reject logic for digital account opening. Project required coordination with various fraud vendors, risk officers, and account opening product managers to increase application success rates, denial rates for non-ideal customers, and reduce second touch operational processes.

Highlights: Helped build the companies’ US Consulting Strategy by trilaterally coordinating resources between analyst in Wales, researchers in London, and project consultants in Chicago.• Helped develop Proxima’s enterprise project management strategy to trilaterally coordinate execution of complex projects via virtual collaboration between two work sites in Europe which houses our key functional experts and the US hub operation equipped with project managers and consultants. This process has helped improve oversees peer collaboration; streamlined work by shifting technical task oversees and freeing up consultants to build intimate relationships with clients in the US; and has addressed internal and external process slippages by creating traceable systems of accountability and project tracking. • Manages millions of dollars of marketing spend for one of the world’s largest record labels, and one of our largest overall clients. Consultative services have included, enterprise media buying ; development of enterprise field marketing strategies for album releases and promotional events; identifying and reconciling duplicate marketing spend between multiple subsidiary labels; contract negotiation; and digital/social media sourcing and strategy.• Oversees all non-IT portfolio spend for one of the country’s largest online retail companies. Consultative services have included, sourcing product manufacturing in China; developing enterprise video solutions including tablets and mobile devices; developing global audit and testing guidelines to generate savings by reducing redundancies; and implementing global T &E credit card programs and financial management tools in Europe, Canada, Australia, and the US.

Highlights: Managed cross-functional business and technology teams to deliver User Interface and data enhancements projected to save over $ 1 Million.• Developed Allstate’s enterprise data strategy for improving the way end users and customers navigate our insurance technologies including establishing business intelligence models; writing business requirements; data lineage modeling; master data management; coordinating system integration; and re-designing user interfaces optimizing screen navigability.• Served as project manager of a variety of cross-functional teams including members of our technology, analytics, product, claims and marketing organizations aligning divergent perspectives and approaches around key intervals and deliverables, often turning around delinquently performing projects. This skill has been the core of outstanding performance reviews.• Managed the delivery of new sales strategy to optimize customer acquisition through the creation patent approved mobile tablet technologies Agents can use to market our products with future customers while on the road. Management included technical requirement building and development of education plans for sales leaders. Enhancements resulted in short term savings estimated at $1 Million in 2015 alone.• Enhanced the customer experience strategy by developing new communication plans and customer service tools to help agents transition from transactional staff to trusted advisors with deepened understandings of customer needs.• Published progression metrics to demonstrate the life stages of various technology projects identifying gaps and creating contingency plans to provide accurate projections of project completions. Agile sprints included.

Highlights: Developed external vendor negotiation model increasing revenue by using best in class supply chain management principles.• Managed inventory by reviewing daily and historical transactional levels, changes in supply, and warehouse space before approving the purchasing team’s request for funding to acquire additional resources from our external vendors; driving down cost and preventing process errors.• Initiated bidding and negotiated contracts with external vendors when sourcing new products. Contract negotiations included agreements for shipping (both time and size), bulk purchasing, and exclusive rights to distribution where applicable. • Provided feedback on operational and behavioral results to a group of 15 direct reports. All direct reports consistently met operational goals.