Eric Smeby Email & Phone Number

Leesburg, Va, Us

Small & Mid-Size FinTechs.I Increase Technical Velocity & Scale With Tech Building Blocks & Engineering Expertise. I offer: ► Fractional CTO/CPO/Head of Engineering/Head of Product services.► I fractionally fill roles until client grows to scale.► I immediately fill critical gaps while clients search for full time candidate.► I offer consulting to accelerate tricky projects► I advise on resolving FinTech product & scaling pain points► I advise on quickly taking advantage of time-sensitive opportunities► Build vs buy decisions, tech architecture, resolving tech-debt, scaling MVP POCs, complex partnerships, & 3rd party integrationsPast Results:► Sped up average days to deliver by 80%► Cut defects by 50% while increasing commitment rates by 50%► Implemented 3rd party LMS which scaled operations while lowering headcount► Enabled AI powered LOS which gave credit officer tools to navigate covid► Switched bank partner & card processor► Doubled MAU to 30 million► Launched CMS to broker turn downs & automate application process► Implemented security & audit controls► Redid pricing strategy for 20% increase in net margins► Agile practices led to over 50% increase in utilization

Los Angeles, Ca, Us

Led product & engineering for a Series A small business lending startup.► Performed benchmarking to develop roadmap and strategy to modernize out of legacy monolith.► Implemented DevOps and Agile practices which shrank days to production from 50 to 10. Improved quality from 60% defects/release to under 20%. Improved commitment rate from 50% to over 75%.► Supported data science to implement AI powered lending strategy.► Led implementation of Loan Management System to modernize legacy tech stack and planned Loan Origination System project.

Arlington, Virginia, Us

Responsible for technology supporting a merchant cash advance company that protected its securitization and remained profitable through Covid.► Oversaw core proprietary lending platform that launched two new products, variable ACH and stepped payments to help customers impacted by Covid. ► Responsible for both Product and Technology for a SalesForce enabled marketplace & partner API to support direct sales, ISOs (independent sales organizations), referral partners, alternate financing companies, & renewals.► Oversaw data engineering team that supported data science and BI.► Launched modernization effort using infrastructure as code, microservices, glue, athena, and eventbridge.

Mclean, Va, Us

Responsible for the technology platform for Secured Card, Capital One’s credit building product for consumers. Core responsibilities include managing multiple teams while implementing technology simplification and business initiatives to increase customer growth and satisfaction.► Oversaw the migration of assets from datacenter to the AWS cloud, involving a 12-month architectural rewrite while adhering to Sarbanes-Oxley Act guidelines. ► Implemented employee feedback to spearhead organizational restructuring and improved team culture, which resulted in a 100 percent increase in employee All Associate Survey results. ► Grew Secured Card customer base through strong partnership with business to improve user experience design, simplify workflows, and innovate product features. ► Improved resiliency and lowered risk-events through well-managed initiative.► Closed security gaps and managed Secured Card response to Capital One security breach.► Coached team towards technical innovations and simplifications like serverless agent portal, lambdas, scala spark big data processing, guaranteed fulfillment, and migration from batch processing to real time events. ► Developed self-driven agile teams and fantastic leaders

Worldwide, Us

Applied knowledge of Angular, Docker, Protractor, AWS, and Jenkins to build customer-facing web apps for Capital One’s free credit monitoring tool, CreditWise. ► As member of growth team wrote, designed, coded and validated user-friendly enhancements that dramatically increased customer acquisition. MAU grew from 15M to 30M.► Monitored and debugged more than 100 software defects to improve efficiencies and customer experience. ► Switched from three-day manual testing process to automated regression and static analysis enabling rapid no-fear releases.

TuitionCoin was a web-based platform that uses an algorithmic model to refinance student loans and enables a securitized pool of investors to fund those loans, with a solid and safe return.► Created revolutionary origination, servicing, accounting, investing and securitization platform to provide refinancing at 1/8th of the cost of traditional banks. ► Implemented cost-effective marketing solutions that resulted in a backlog of $3 million in loan applications. ► Raised approximately $500,000 through communicating company value proposition and building strategic relationships. ► Used machine learning to build decisioning algorithms that could predict and lower loan default rates from 12 to 2 percent.

► FintechTokenA private ethereum based blockchain and integrated website enabling wallet for lightning connections to ethereum and bitcoin, plus a smart contract based exchange, and ability to send recieve tokens via text, and compile/publish smart contracts to private blockchain with interactive website to interface with deployed smart contracts.

Leesburg, Virginia, Us

eSmeb Inc is an Investment Advisory Firm registered in Virginia effective 3/4/2010.As an investment advisory firm, eSmeb helps companies and individuals manage their investments through algorithmic trading and web-based solutions. Past ventures under the eSmeb umbrella‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾‾► ProdscoreA web-based platform to transform how companies buy software through reviews from a community of B2B and software product professionals. ► FindingDaycaresA database of licensed child-care providers that became the largest national database of providers from 2007 to 2009. ► RoommatesAndRoomsA roommate finder and membership site that was sold to Roommates,com after acquiring 60,000 users.

Reston, Va, Us

Lead developer for innovating several business intelligence platforms for the higher education software company. ► Architect and developer of BI platform to centralize eight complex data systems into a single warehouse.► Converted a six-person two week, manual reporting process into a real-time, drillable reporting system, saving the organization hundreds of hours of labor and enabling rapid analytics.

Reston, Va, Us

Defect backlog was growing by 20% each year when started. Reversed this negative trend and was able to shrink defects by 5% annually, despite rapidly expanding code base, which delighted customers. This was accomplished by implementing test automation, a new weighting system for defects, and crafting an engineering culture of quality.

Drove rapid growth and operational improvements while reporting directly to CTO ► Improved project estimations from 50% accuracy to 90% accuracy through effective project management, organizational collaboration, and strong leadership skills.► Automated time-consuming manual management processes to enable managers to focus on their teams, while providing top level leadership real-time visibility into organizational levers.► Reduced average time to market by 3 months through agile practices, rolling planning, and improved resource alignment.

Wrote a lot of code and made company $40 million by creating a new product. Code included repairing fragmented user interfaces, updating processes and procedures, building ETL tool, improving query performance and coding legacy workflows into web products. ► Netted $40 million by innovating, designing and coding a new product, “My Advises.” Product allows a students adviser to access the students grades and registration information over the web.► Upgraded all web projects to be compliant with the American Disability Act► Built many of the companies initial web products.

Bachelor Of Science (Bs), Computer Science

Master'S Degree, Technology Management