Hiren Patel Email & Phone Number

Plano, TX, US

Founded, established and started this real estate investment firm with focus on two core strategies: ‘Buy, rehab, and hold’ and ‘Buy, rehab, and sell’ in one of the fastest-growing large metro areas in the US. Lead business development, marketing and acquisitions, vendor management, contract negotiations, finance, accounting, and investment analysis. ✔.

Founded Cromwell Capital with a goal of diversifying investments away from hard to more liquid assets. Employ sophisticated options trading strategies, including algorithmic, for day, swing, and trend trades.✔ Implemented advanced technical analysis tools enhance trading strategies and processes. Completed 24 months of extensive options strategy testing.

Recognized gap in market for entry of customized equipment financing products tailored to vendors in the automated self-service, retail kiosk technology space. Oversaw full scope of credit management and credit policy development. ✔ Produced $10M sales pipeline in two years and shaped A/B credit quality deal flow pipeline from a market of below-average.

Austin, Texas, US

Developed and led credit risk management function for fintech startup, within equipment finance space. Strategically deployed technology-driven credit decision engine to deliver point-of-sale credit approvals for building equipment vendors. ✔ Amplified applications 400% through multipronged approach, which introduced new credit products, quickened credit.

Bentonville, Arkansas, US

Orchestrated and innovated new financial products and services targeted at small businesses and individuals to drive P&L growth. Managed team of senior managers and executed complete scope of strategic planning, risk management, finance, analysis, supplier management, marketing, and contract negotiations for product launch. ✔ Delivered $6B in incremental.

Leveraged expansive experience in the founding and management of a personal consulting firm, supporting and building a network of bankers, brokers, attorneys, and accountants. Completed $2.5M+ in client funding. Achieved profitability in less than 12 months; increased revenue 60% and profits over 10 times in second year.

Mclean, VA, US

Progressed from Senior Business Analyst, US Card – Partnerships to positions of increasing accountability and accomplishment, culminating with oversight of four teams comprised of 22 professionals across strategy, analysis, budgeting, and reporting within $24B auto lending unit, with $220M operations budget.✔ Reduced losses by approximately $60M through.

Mclean, VA, US

Directed team of 12 responsible for credit risk strategy and analysis of $24B auto loan portfolio. Devised risk operations and servicing strategies which were instrumental in achieving portfolio growth rates of ~10%-15% CAGR. Slashed credit losses ~$10M concurrent with reducing operating costs ~$18M.

Mclean, VA, US

Drove financial, economic, statistical, and market analyses for all new credit product rollouts. Headed team of 15 cross-functional assets and $20M. Launched three breakthrough products that helped drive GAAP NIAT (Net Income After Tax) growth from $40M in 2003 to $70M in 2004 and $110M in 2005.

Mclean, VA, US

Guided and empowered team of six with oversight of operational staff of 30. Spearheaded build of two startup businesses to $400M+ in booked assets less than two years. Created rapid automated credit risk decision system, which achieved portfolio "net adjusted charge-offs" rate of 1.5% vs. financial forecast of 4%, generating $12.5M+ in value.

Mclean, VA, US

Grew year-over-year business 80%; increased fee revenue NIAT $40M through new product launches and revamped compensation structure.Earlier career progression:Assistant Vice President, Citigroup/AT&T Universal Card Services – Jacksonville, FL: Grew receivables from $360M to $2B, exceeding goal by $800M, while increasing revenues from $10M to.

Master Of Business Administration (M.B.A.)

Bachelor Of Science In Commerce, (Finance, Mis And Economics)

High School