Aaron Murray Email & Phone Number

Toronto, Ontario, Canada

Helping companies build, launch, optimize, and scale financial products.

Toronto, Ontario, Canada

- Launched Rose Rocket’s embedded payments product, leading the process from building a business case, vendor evaluation, development, launch, and scaling and marketing- Managed all aspects of Rose Rocket’s embedded payments program by designing systems for customer support, managing disputes, and financial projections for the board- Developed a deep understanding of payment facilitation and embedded finance for software platforms and used this to define a long-term roadmap for payments and capital products- Led a team to develop invoicing, payroll, and accounts payable software on Rose Rocket’s new platform, building a key foundation for the company and their embedded finance products- Acted as a champion for financial and product analytics, helping other product managers and revenue operations up-skill make more grounded decisions

Toronto, Ontario, Canada

Toronto, Ontario, Canada

- Collaborated with the company’s leadership team to help them design the structure, terms, credit policy, and technical systems which enabled our launch in the US market- Designed a credit 101 series, helping the leadership team understand concepts such as how do lending companies make money, marginal profitability, and risk sloping- Helped the company raise a Seed Round by communicating loan economics and lending approach to potential investors - Created projections for capital requirements and evaluated options for debt financing to allow the company to expand its loan portfolio

Toronto, Ontario, Canada

• Helped build a team and roadmap to grow spend on Capital One cards by giving customers more options to store their payment information and reduce transaction declines • Helped develop the business case for digital wallets and negotiate new contracts with two major providers which allowed Capital One to expand their offerings and grow their digital wallet usage by 10x• Collaborated with our fraud and technology teams to implement new strategies and technology to ensure that we could grow customer spend while mitigating fraud

Toronto, Ontario, Canada

• Led an agile team of 4 software engineers and directly managed a business analyst to build and improve a credit card pre-approval tool called “Quick Check” (findyourcard.capitalone.ca), which has become a major new customer channel and brand advertising asset• Built and launched the product in 8 months by creating a clear product vision and focusing on the outcomes of our work, resulting in the team winning Capital One Canada’s most prestigious award• Helped scale the product from <1% to over 20% of prospective customers in 8 months due to the marketing costs and click through rates outperforming benchmark advertising • Negotiated and coordinated with both Canadian credit bureaus to help them build and provide key input services to the product, resulting in a quality on-time delivery of the product• Created a long-term product roadmap and delivered product increments (French language, existing customer recognition, and a holistic data solution) that provide customer and business value

Toronto, On

• Optimized our customer acquisitions funnel, customer experience, fraud prevention strategy, anti-money laundering, and software investments • Managed a co-op student analyst for two summer terms, guiding him to become a star performer• Used tools such as service/experience design, customer interviews and verbatim analysis to add qualitative insights to our decisions • Built three fully automated SQL tables and tableau dashboards which have the highest usage at the company due to the valuable insights which can be gained• The projects I led or contributed to increased Net Present Value by ~$10M on an annualized basis and new customer acquisitions by nearly 20% and experience of becoming a customer

Toronto, Canada Area

• Lead for the credit strategy on two $100M+ portfolios • Redefined our underwriting strategy by rebuilding financial models which predict the behaviour and resulting cash flows for each customer over the term of their account• Optimized policies to improve customer outcomes and drive ~$4M in incremental present value• Launched three major tests (two foundational, one product) in the role to guide our future strategy

Queen'S University

• Founded a startup at an accelerator along with three other students which created a digital and personalized version of fliers, helping customers and businesses connect more easily• Learned how small businesses have difficulties finding customers and how hard it is to start a network business (where you need consumers and businesses to sign up on a platform)

• Worked in a competitive environment to drive sales which exceeded $20K each summer• Learned the value of hard work, which provided a foundation for my current work ethic• Earned a substantial profit, helping pay for my school