Deepak Kumar, Mba/ Cpa Email and Phone Number
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As a transformational and growth-oriented leader, I have a track record of leveraging sales acumen, product knowledge, financial expertise and strategic partnership development to drive revenue and operational efficiency. I am a results-oriented operator with a multidisciplinary approach to solving complex problems in both early stage and global, highly matrixed organizations. I have a relentless passion to optimize customer satisfaction while balancing it with productivity, risk mgt. and profitability. I'm a data driven and customer centric decision maker. I have a strong Financial Services, specifically, Payments and Lending and Tech enabled company background. I'm a strong hands-on and collaborative leader. International experience. AREAS OF EXPERTISEMission/ Vision Creation • Growth and Transformation • Sales/ Customer Acquisition • Program and P&L Management • Corporate Strategy • Strategic Partnerships • Operations • Finance • Risk and Fraud Mgt. • Strategic Planning/ Forecasting • Vendor Mgt. and Contract Negotiation • Workforce Planning • Performance Optimization • Investor Road Shows, Capital raise, Due Diligence • Investment Decisions • Balance Sheet Mgt. • Governance, Process and Controls • Public Speaking • Leadership and People Development • Deep C-Suite NetworkRECENT ACCOMPLISHMENTS• Oversaw operations, customer service, partnerships with strategic use of technology to build 2 digital banks resulting in broader national reach and greater digitization self-serve capabilities. • Grew Ameriprise Bank to more than $10B in 2 years. • Increased revenues 650% at Aspiration in 2 years.• Turned around retail mortgage at Citi from $75M annual loss to profitability in 6 qtrs. by revamping business/ sales models, compensation plans, pricing, contracts etc.• Led a company-wide, cross functional transformation effort at Fannie Mae using qualitative (needs based) and quantitative data (2M pieces) to revamp the client segmentation model and restructure company to drive growth.• Built strategic plan, restructured the company resulting in headcount and contractor cuts, vendor renegotiations (>$40M savings), greater outsourcing/ offshoring etc. driving operational efficiency/ cost cuts.• Helped Fintech companies raise over $50M in capital/debt financing and structured sale of company.• Blocked unemployment and PPP fraud at Aspiration and saved over $40M.• Built the risk mgt. framework and chaired the Bank’s Operational Risk Mgt. Committee.• Partnered with McKinsey at Sofi to help the company rethink its mortgage strategy.
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Chief Financial OfficerBushelSan Francisco, Ca, Us
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Strategic Advisor/ Consultant/ InvestorIndependent 2024 - PresentAdvised companies on strategic business development, product innovation, financial strategies, and operational infrastructure to drive growth. Collaborated with startups to identify market opportunities and implement scalable solutions for sustainable growth. Implemented tailored financial strategies resulting in increased revenue and improved operational efficiency.
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Chief Administrative Officer (Led Operations, Strategic Partnerships And Customer Service Centers)Aspiration 2020 - 2023Marina Del Rey, Ca, UsAspiration is fast growing digital/ Fintech (bank and broker dealer) ESG company focused on building strong relationships with socially conscious customers, providing them innovative financial solutions tailored to reducing the carbon footprint and offering net zero carbon options. The company also has a robust enterprise B2B business with noteworthy global partnerships built around a carbon credits trading platform and managing such assets helping companies achieve their ESG goals. In the Consumer space, the company has over 7MM members with revenue growth over 650% YOY.Oversight included: Operations (including Fraud and Financial Crime, Payments, Disputes, QA), Service centers and Vendor Management. Led a team of over 250 employees.Played an integral role in the transformation of the Consumer Business model. Continued to improve operational efficiency through use of technology, better processes and controls and built out a QA function to ensure improved performance. Took a customer centric approach in building out the call centers, self-help capabilities thru increased digitization. Developed strong fraud controls and tech to better managed the exposure. Partnered with Tech and Product to continue to enhance the Product capability, delivery and create greater self-serve customer capabilities/ on the path to optimal digitization. Improved the speed, safety and access to payments/ money movement at a global level. Explored path with partner bank to create mutually beneficial solutions with how deposits are structured etc. for max FDIC insurance coverage and margin. Continuing to build out a strong first line of defense and in process of building the second line of defense (Risk management). Conducted Operational Risk Management meetings to track and monitor/ manage risk business. Certain risks were deemed out of scope. -
Chief Operating Officer - Bank (Led Operations, Strategic Partnerships, Risk And Service)Ameriprise Financial Services, Llc. 2018 - 2020Minneapolis, Mn, UsAmeriprise Financial is a diversified financial services company and has a trillion plus dollars of assets under management. Launched Ameriprise Bank in 2019 and helped grow it to $7B balance sheet in 18 months. Oversight included: Operations (deposits/ payments, lending (mortgage and credit card) and personal trust, vendor management (65 plus global and smaller), QA, client escalation teams and business continuity planning (key to the bank’s COVID-19 planning and response) of the bank. Led a team of around 30 employees with indirect management of an additional 20 employees.Developed vision, values, strategy and roadmap pertaining to operations and service model. Launched multiple products and developed process flows, procedures, controls and KPI related to operations. Focused on client experience and operational efficiency. Onboarded and negotiated multiple vendor (both technology and strategic partnerships) contracts, made critical on-source and offshore decisions and developed platform to manage it, set SLAs to monitor performance. Co-led transformation of the personal trust business. Revamped the client escalations model to improve NPS scores. Chaired the Operational Risk Management Committee with responsibility for risks in operations, vendor partnerships, business continuity, info security, technology, data etc. -
Independent Consultant (Sofi, Assetmark, Applepie Capital, Hippo)Consulting 2017 - 2018Sofi (2017 - 2018)- partnered with Mckinsey & Co to develop a strategies, growth plan, organizational structure and key deliverables on the Mortgage business at the company. Assisted the leadership team on the active implementation of certain facets of the strategy.AssetMark (2017 - 2018)- assisting the company to procure banking capabilities, charter, board structure, governance etc.ApplePie Capital (2018) - helping the company transition its Chief Risk Officer role, recruiting and onboarding replacement and helping drive end to end business model and operating efficiency using data, process improvement and technology.Hippo Insurance (2018) - assisting the company with growth initiatives.
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Chief Operating Officer & Chief Financial OfficerSindeo 2016 - 2017San Francisco, Ca, UsSindeo is an online Fintech company built as a direct-to-consumer mortgage lending marketplace platform using integrated technology that provides consumers access to loan programs from a broad network of 45 leading lenders all in one platform. Completed a successful sale of Sindeo to a PE firm in Q3'17 and exited the firm. Oversight included: Sales, Operations, Finance, Capital Markets. Led a team of over 100 employees.Rebuilt operations with improved process flows, procedures and controls. Negotiated and onboarded 45 lenders on the broker platform and 3 on correspondent platform within 6 months. Outsourced certain functions to third party vendor significantly cutting fixed costs burn. Built out a best-in-class Call Center. Helped raise debt (warehouse lines) and equity financing. Revamped the sales and compensation structure and used technology solutions to improve response times and single contact resolution. Improved speed to close with many loans closing in 14 days. -
Advisory Board MemberLendingclub 2009 - 2017San Francisco, California, UsTalkdesk 2020 - Present(Call Center Technology and Service company)The Lending Club 2009 - 2017(Peer to Peer Lending; fast growth)SpringCoin 2012 - 2013(Debt management software) -
Senior Executive And Vp, Strategic Alliances/ Client ManagementFannie Mae 2013 - 2016Washington, District Of Columbia, UsFannie Mae is a leading source of mortgage financing in the US.Oversight included: B2B strategic alliances/ partnerships between Fannie Mae and mortgage lenders using secondary market solutions to drive primary market opportunities. End to end business management responsibility across a wide cross section of clients (large and mid-size depositories, mortgage banks and credit unions), in the mortgage space. Led a team of 35 employees.Led cross functional collaboration across strategy, risk - credit and counterparty, capital markets, pricing and servicing and in structuring strategic and complex business, operational and capital market solutions. Provided strategy for an emerging client segment i.e., investors in the Mortgage Servicing Rights (MSR) space (funded primarily by private capital) and for the Sub Servicer segment. Actively participated at the enterprise-wide level in developing the value proposition and strategies for Fannie Mae. Led the development of innovative 'needs based' customer/ client segmentation strategies and model for the company giving it a distinct competitive advantage. Participated in the development of consistent capital/ liquidity and operational standards for non-banks with FHFA and Freddie Mac. -
Managing Partner And Co-FounderAubrey Capital Partners 2010 - 2013Aubrey Capital Partners is a boutique investment banking advisory and strategy firm that advises financial services and other verticals on growth, product and turnaround strategies including transactions involving M&A, exit planning and capital raising. Aubrey also provides strategic advisory services to facilitate organic growth and assists in successful integrations of acquisitions we structure. Sample Client/ Project List:* Advisor to CEO/ Leadership Team at AAA on Enterprise Strategy, Product and Innovation (2012) - led effort with responsibility for products, marketing and member feedback * Senior Advisor to The Boston Consulting Group (2012 - 2020) - advisor in the financial services vertical as it relates to strategic planning, restructuring sales and business models, opening new distribution channels, launching products ground up, revamping pricing, and compensation* CEO Manhattan Bancorp (2010 - served in a full time capacity) - MB is a full service national charter bank and broker dealer. Restructured company and governance structure, brought in talented new management, formulated 3 year strategic plan and vision with roadmap of deliverables, helped secure strong CAMEL rating, enhanced relationship with OCC, Fed and FDIC, launched the mortgage business ground up etc.* Advisor to Back2Earth Technologies (clean tech start up) - helped devise strategy, led business development and capital raising initiatives.
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Chief Operating Officer, Charles Schwab BankCharles Schwab 2008 - 2009Westlake, Texas, UsCharles Schwab & Co is a global Asset/ Wealth Management company and includes a full-service bank. Appointed by the board as COO (served as CEO) of Charles Schwab Bank Oversight included: general management, fiduciary and regulatory responsibilities. Managed a team of 110 employees with responsibility for Sales, Product, Risk, and Operations; also indirectly managed the 1400 Financial Advisors network in selling banking solutions. Led vendor and outsourced relationships. -
Managing Director, National Business Head/ Gm, Consumer Lending, North AmericaCiti 2005 - 2008New York, New York, UsCiti is a global diversified financial services company.Oversight included: Sales (including call center), Product Management, Marketing, Operations, Finance, Risk and Pricing for both the secured (mortgages and home equities) and unsecured (personal loans and lines, checking plus etc.); $15B annual originations; $20B portfolio and servicing asset for the Retail Channel (1000 branches, web site, cross channel partnerships with CitiFinancial, CitiMortgage and CitiHomeEquity). Led a team of 700 employees (7 directs); also, indirectly managed the Mortgage and Home Equity operations (2500 professionals) under CitiMortgage/ CitiHomeEquity as client. Turned around the retail mortgage business losing $75MM a year to profitability in 6 quarters in a difficult economic climate by restructuring the sales organization, building out a cost efficient yet productive Call Center, reworking the mortgage loan officer compensation plan, redoing the pricing structure, renegotiating contracts etc. -
Cfo, Citibank West FsbCiti 2005 - 2005New York, New York, UsAppointed by board as CFO to the second largest S&L (behind WAMU) in the country – Balance Sheet $150B Approx. Staff of 40 (7 directs) Managed the SEC reporting (10Q, 10K, 8K), regulatory reporting (PFR – call reports, CMR – rate maturity), treasury/ interest rate modeling (QRM), budgeting, capacity planning, pricing and financial reporting functions for all asset and liability products offered through the 400 branch network in the west. Also, played an integral role in divestiture strategy of certain branches and division facilities management.
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Svp And Cfo, Retail And Institutional, Home And Consumer Finance (Consumer Credit Group)Wells Fargo 2001 - 2005San Francisco, California, UsManaged the Pricing, Financial Planning and Analyses, MIS and Business Intelligence teams for a $38 billion portfolio of home equities and some mortgages. Partnered closely with Business, Risk, Marketing, and Operations. Initially joined as CFO of Internet business, picked up the Retail channel and increased responsibility to include the Institutional channel (correspondent, wholesale). In prior roles at Wells, oversaw Regulatory and SEC reporting.
Deepak Kumar, Mba/ Cpa Skills
Deepak Kumar, Mba/ Cpa Education Details
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The Wharton SchoolStrategic Finance -
St. Xavier'S CollegeEconomics
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The Institute Of Chartered Accountants Of IndiaAccounting And Finance
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University Of San FranciscoFinance
Frequently Asked Questions about Deepak Kumar, Mba/ Cpa
What company does Deepak Kumar, Mba/ Cpa work for?
Deepak Kumar, Mba/ Cpa works for Bushel
What is Deepak Kumar, Mba/ Cpa's role at the current company?
Deepak Kumar, Mba/ Cpa's current role is Chief Financial Officer.
What is Deepak Kumar, Mba/ Cpa's email address?
Deepak Kumar, Mba/ Cpa's email address is de****@****mpf.com
What is Deepak Kumar, Mba/ Cpa's direct phone number?
Deepak Kumar, Mba/ Cpa's direct phone number is +120275*****
What schools did Deepak Kumar, Mba/ Cpa attend?
Deepak Kumar, Mba/ Cpa attended The Wharton School, St. Xavier's College, The Institute Of Chartered Accountants Of India, University Of San Francisco.
What skills is Deepak Kumar, Mba/ Cpa known for?
Deepak Kumar, Mba/ Cpa has skills like Risk Management, Strategy, Banking, Management, Finance, Executive Management, Financial Services, Financial Analysis, Business Strategy, Strategic Planning, Leadership, Investments.
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