Reinventing Lease-To-Own! Katapult (Formerly Zibby) offers customers a lease purchase transaction with no long term obligation and options for ownership. Katapult provides retailers with a risk-free payment option geared toward consumers who don’t qualify for traditional financing options.

KleverLend is a complete decision management SaaS platform that helps lenders make better decisions faster using APIs & dashboard to manage workflows in a secure and regulatory compliant manner!We are on a mission to create technology solutions that offers lenders the freedom and flexibility to originate loans with ultimate risk control and ease of use.

• Establish technical standards and process, develop and lead technology strategy that supports strong business alignment & increased profitability.• Work with marketing, risk and operations as an advisor to improve efficiency and effectiveness, while preserving departmental goals and prioritization.• Participate in strategic and operational governance and drive corporate competitive advantage through the innovative application of technologies to achieve business strategy.• Oversee the enterprise architecture and build a holistic view and roadmap of the company's technology strategy, processes, and information technology road-map. • Provide effective leadership to the team through prioritization based on visions/ goals, shared decision making within understood boundaries, and fostering entrepreneurial spirit in the team.

Essential Lending is a technology-focused consumer-finance company engaged in providing credit solutions to consumers and businesses serving customers in the emerging credit marketsEssential offers lines of credit directly to consumers that can be accessed via Wiseloan.com (installment loans from 1-26 payments) up to $2,000, depending upon the individual state regulatory requirements, for the purpose of managing essential credit needs.

DeFi Solutions is a robust Loan Originations System (LOS) for auto finance industry. Defi offers an out-of-the-box, scalable, cloud-hosted platform. I was responsible for Leading all information technology initiatives, including business technology planning, application development, security, architecture and IT infrastructure; Bringing the vision of a dynamic and robust SaaS Loan Origination Platform to reality; Building top-quality technical staff into cohesive team; Project Planning, Resource Planning, Hiring, Appraisal and Training Team members.

Responsibilities:- Provided tactical leadership and direction for Enterprise Services Team, specifically Corporate Systems, responsible for Loan Originations, Servicing, ACH and Customer Communications.- Held key leadership position in building the strategic roadmap for New Loan Decisioning and Processing platform – BizTalk 2010/ WCF- Develop & Maintain existing Loan platform – WCF Services for Decisioning, MVC Website for Rules - Helped implement risk strategies, risk models/scores (Payday, Installment & Line of Credit products)- Built the LeadGen service platform on the new Loan Origination platform. Worked with leading Lead Aggregators and was point of contact for LeadGen integration. - Liaison between Risk and Marketing helping integrate LeadGen and Resell. - Project Planning, Resource Planning, Hiring, Appraisal and Training Team members- Vendor RelationshipAchievements- Recognized and awarded Technical Innovation Award - Recognized for Robust Decision Engine Services and Risk Strategies to help increase profitability- Led a product engineering teams through an enterprise re-platforming effort. The new Loan Origination and Servicing platform was launched in October 2011 and serves as the platform for all future products.- Successfully managing the team responsible for over 500k decisions/month with < 3% error rate. Lessons Learned- Never stop innovating and collaborating - Through innovation, perseverance, strategic planning, team collaboration, effective communication and execution all challenges can be overcome- Planning and managing dynamic projects with ever-changing requirements and priorities- Provide team members with an environment that promotes innovation and provides sense of fulfillment and satisfaction - Create a culture of aggressive ownership of issues, tempered by the wisdom to recognize solutions that meet requirements without gold-plating or submitting to the "easy way out"

Instrumental in developing SIP(session Initiation Protocol) based, Peer-to-Peer Communication and collaboration software. Damaka provides Voice and Video Conferencing, IM, file transfer, desktop /file / application sharing, Internet Radio, IPTV, and other features in an easy-to-use, real-time environment. Filed Four patents in the area of Voice Over IP.

Co-Founder of ManagedTel - a Unified Communication Company. Responsible for IT and Product Development.

Worked as Technology Consultant at Verizon Communications, architecting and developing Verizon's industry-leading Voice over IP offerings.