Lead Budgeting and Forecasting processes for Operations, Marketing, and Risk Management supporting Oportun Lending Products (Personal Loan, Secured Personal Loan, and Credit Card). In addition to leading Budgeting and Forecasting Revenues for key Personal Loan Partner, Secured Personal Loan, and Credit Card.Developed and delivered financial reporting documents that enabled tactical discussions with Operations, Marketing and Risk Management Leadership as well and Corporate Finance Leadership teams. Included comprehensive financial variances and detailed unit cost operational dashboards and trends as well as actionable plans to address identified financial risks. I also provide financial overviews / analysis related to corporate staffing levels across all funtions / support groups inculding 3rd party staffing vendors to ensure staffing levels are optimized against operating volumes to ensure efficient usage of resources.Managed and execute revenue forecasting models across all Oportun business units, partnering with Marketing and Risk Management to deliver detailed and accurate revenue forecast to help ensure targets are achieved as well as identifying levels to pull to address identified risks.

Consulting Manager leading Financial Reporting Processes and Procedures supporting $250MM project investment portfolio. Led business case development across multiple stakeholders ensuring that business requirements as well as aligning with Corporate guidelines. Developed monthly reporting packages to provide project status updates and idenfying projects that were deviating from timelines or project budgets. Implemented analysis to track completed projects and compare with project approved targets.

Director on Financial Planning & Analysis, leading the budgeting, forecasting and management reporting processes for Brookshire Grocery Company including over 180 retail locations. Significant focus on sales, gross margin and expense analysis as well as supporting capital investment opportunities related to Technology, Retail Operations, Retail Facilities and Logistics (Warehouse and Distribution). Key business partner with EVP leadership team, identifying key trends and idenfying solutions to deliver on financial commitments.

Enterprise Performance Practice with a focus on delivering Finance and Enterprise Performance inititaives for Clients. Key focus on improving Finance process thru Digital Transformation by delivering Process Robotics, Visualization, Advanced Analytics, Cloud Computing, Cognitive Computing and In-Memory Computing by leading in-depth analysis of clients current state situation and identifying process improvements combined with technology applications to deliver future state capabilities.

Director Financial Planning & Analysis – Retail Services Operations & Technology 2016 to 2018 Director Financial Planning & Analysis – Branded Cards Operations & Technology 2008 to 2016 Led $1.0B Budgeting and Forecasting processes for Operations & Technology expenses for Retail Services Business Unit (Private Label Credit Cards) (2016 to 2018), including detailed partner reporting (Macy’s, Sears, Home Depot, Best Buy, and LL Bean).Led $1.2B Budgeting and Forecasting processes for Operations & Technology expenses for Branded Cards Business Unit (2008 to 2016) (Citi’s Proprietary MC/Visa portfolios, American Airlines, and Costco).Identified and delivered reengineering initiatives across Operations and Technology, consistently delivering $30M to $40M in annual savings by delivering opportunities across Digital (IVR, Virtual Agents, Web Apps), New Technology (Customer Service Desktop, RPA), Right Shoring, Site Reductions/Footprint Optimization, Span of Control, Vendor Mgmt., etc. Developed investment process related to optimizing technology budget of ~$90M. Included detailed technology investments along with corresponding revenue benefits / operational savings to deliver maximum impact. Developed and delivered financial reporting documents that enabled tactical discussions with Front Office, Operations & Technology and Corporate Finance Leadership teams. Included comprehensive financial variances and detailed unit cost operational dashboards and trends as well as actionable plans to address identified financial risks. Executed M&A modeling / RFP responses for Operations and Technology expenses for New Business Opportunities. Results included acquisitions of Costco, LL Bean and Caterpillar.Led and developed up to 20 direct reports and up to 30 matrix reports across the finance organization. In addition, also led staff consolidation process including standing up offshore COE for finance staff delivering savings of 30% per FTE.

Optimized marketing offers thru customer contact channels (Customer Service, Credit, Collections, and Statements) related to product upgrades, balance transfers, checking accounts, HELOC’s and 3rd party fee products delivering annual revenues of ~$100M annually.

Led FP&A processes (forecasting, budgeting, and reporting) supporting 2 small business credit cardportfolios with $1.5B in assets driving annual revenue growth of 22%.

Prepared budgets and forecast for Citi AAdvantage credit card portfolio as well as provided analysis oneffectiveness of marketing programs.

Sales & Marketing Analyst, Internal Auditor

Division Controller, Internal Audit Manager, Internal Auditor