• Managed a team of 30 across India, China, and Mexico made up of product managers, analysts, and developers, focusing on securing credit for 2.7M underserved customers while providing exceptional customer service, driving innovation, and increasing revenue• Built, scaled, and launched dynamic products in all 3 markets, expanded the product suites to include short term loans, installment loans, lines of credit, credit reporting, and loan recommendation services, accomplishing marginal break-even within 2-3 months of product launches• Implemented event tracking and experience optimization, achieving a less than 2% fallout rate in all non-invasive user touchpoints and increased checkout and payment completion rate from 75% to near 90% through payment routing logics, achieved a consistent Android and IOS store rating of 4.7• Championed an innovative customer communication strategy, implementing SMS, push notification, and pre-recorded dialer messages at appropriate touchpoints, reducing agent headcount by 20% without compromising performance• Developed and launched a in-house CRM from scratch, supporting 500+ agents and affording the ability for parallel expansion, generating organizational growth and revenue• Led efforts to implement scrum agile framework, increasing productivity by 20% and decreasing defects by 75%• Created the company’s NPV-based analytical framework while consistently researching and utilizing new data sources, including credit bureau, user behavior, device information, and 3rd party-list data, ensuring the company incorporated innovative tools to remain relevant in a competitive industry• Leveraged test-and-learn culture, a data-driven decision-making methodology consisting of continuous A/B testing and rigorous monitoring, providing both business and customer insight to improve customer experience and business revenue collectively

• Served as the product owner for the customer experience regarding customer-reported fraud, coordinating 5 feature teams to deliver the experience, designing, and launching an online fraud-reporting platform with a myriad of industry-leading product features, achieving a 50% adoption rate before marketing, a 90% completion rate, and cutting down the time it takes for a customer to report fraud from 30 minutes to <5 minutes online• Oversaw a cross-functional team in the development of a patented digital product feature utilizing design-thinking principles, escalating product engagement by 10%, and yielding a customer satisfaction rate of 80%• Functioned as the vital contributor during the Quicksilver development process, providing market research, defining value proposition, designing the customer experience, performing product economic analysis, developing marketing plans, and planning the launch of the product• Developed the Quicksilver cash credit card product, overseeing a cross-functional team to produce an integrated marketing campaign to support the inaugural product launch, accelerating new account bookings by 100% within 3 months of the launch while increasing revenue• Managed the $300M US upmarket credit card annual direct marketing budget, overseeing response forecasting, population selection, creative rotation, and monthly mailing decision-making, meeting or exceeding all budget goals• Spearheaded the development and implementation of a new risk model in the Mainstreet sector, decreasing diabolical risk by 10%