Lead product development for Line and New Business Development journeys, including Reactive and Proactive Limit increase journeys, Pay Over Time Limit expansion, New Business Development, and Global Risk and Underwriting.

Leader of multiple end-to-end product owners across 4 epics, responsible for delivering consumer and commercial customer journeys across the product development lifecycle to enable credit risk management experiences.• Define the E2E customer journey by taking large-scale ideas (epics) and breaking them down to granular deliverables (features & stories), designing architecture, performing discovery, and communicating to SLT• Partner with cross-functional business leaders and portfolio mgmt. to define and influence the product vision, translating priorities into roadmaps and using MoSCoW & WSJF techniques to conduct prioritization• Collaborate with 30+ dev teams across 150 colleagues in PI/BRP planning sessions, enabling capacity for feature prioritization, assigning design, development, integration, and release testing (UAT, PIV) sprints• Build geographically dispersed teams ranging from analyst to sr. mgrs. and influencing colleagues in LPM, PMO, marketing, compliance, legal, privacy, finance, solution mgmt., vendors, architects, POs, and tech• Delivered 40+ releases for Financial Relief, with 2 new channels (online & app) accounting for 20% of enrollments, $1B in billings, and retention of over 50k+ accounts over 12 mo., Innovation Award Winner• Designed and delivered a first-in-kind Corporate Financial Relief program, resulting in the creation of a novel debt restructuring instrument, delivering $10M in annual loss avoidance • Streamlined the customer-facing New Accounts Application web and mobile UX to create a Single Click experience via increased automation, delivering a $15M annual PTI benefit, Innovation Award Winner

End-to-end product owner, responsible for the creation of world class products and capability frameworks from ideation, design, architecture, and market launch used worldwide and throughout the customer lifecycle.• Drove global Big Data capabilities usage by creating common derived data sets and capability frameworks, resulting in standardized derivations and scalable products, reducing redundancy & simplifying dev.• 3rd party relationship manager for Yodlee, responsible for UI design and integration on underwriting and line decisions for high and marginal risk cardmembers via authorization to real-time bank balances• Launched the global Credit Risk Capabilities framework enabling microservice APIs used to guide product development for all risk journeys, drastically increasing dev efficiency by 8x

Center of Excellent lead for the US and 20 international markets, responsible for internal and outside agency collections, responsible lending, proactive cancellations, reinstatements, and deceased strategies.• Analyzed data using SAS and SQL, generating monthly portfolio MIS reports for reviewing write-offs, recoveries, and conversations resulting in strategies to minimize loss and increase payback• Conducted case reviews and side-by-sides with servicing teams covering default and customer complaints scenarios to assess effectiveness across internal and outside agencies collection strategies• Enhanced rules on high-risk reinstatement defaulters resulting in a 50% reduction in volume. Mitigated operational risk by increasing controls for 7K+ credit operation representatives. Integrated new credit risk policies and practices achieving OPEX reduction of $1M/yr

Business Analyst within Risk Customer Servicing Network. Worked with international colleagues to develop best in class collection strategies on delinquent customers. Partnered with teams to develop incentive structures driving collection behaviors.

Team leader of 12 reps, responsible for meeting monthly KPIs by analyzing and decisioning high-risk cases.• Created multiple reports and analytical tools to increase team engagement and efficiencies, inclusive of capacity planning, feedback forms, performance trackers, and daily bonus projections• Cases closed efficiency increased by +30% and decision quality by +5% from 2008 to 2009

Conducted professional in-home presentations with potential clients in an effort to sell high end product kitchen cutlery. Established over 125 clients. Become the number three salesman in branch office during the Summer of 2006. Member of President’s Club and Bronze Oscar Winner.

Conducted consumer sales for advertising space with Auto Trader Magazine and website. Utilized various sales tactics effectively to break the national single day record by booking 70 sales. Recognized as the number one representative in sales for Aug 05', Sept 05', and Jan 06'