Horacio Carpio Email & Phone Number

Chicago, Il, Us

Pittsburgh, Pa, Us

Irving, Texas, Us

• Lead cross-functional teams, including engineers and Scrum teams, to manage the full lifecycle of data-driven products in the MarTech industry.• Develop product roadmaps, balance new feature development with technical debt, and ensure timely, on-budget product delivery.• Spearhead initiatives to improve platform performance, such as optimizing real-time data processing.• Collaborate with various departments to ensure product compliance with regulatory standards, delivering customer value and supporting business growth.• Gather and analyze market trends, customer feedback, and competitive insights to continuously improve products.• Align product strategies with the company’s strategic goals to drive innovation and business success.

Tustin, Ca, Us

• Managed internal integrations, migrations, and third-party platforms for B2B product development, including Mortgage (TPO, Mortgage-Real Estate ecosystem, Real Estate Agent/Brokerage related software).• Determined product pricing by utilizing market research data, reviewing production and sales costs, anticipating volume, and costing special and customized orders.• Collaborated with Scrum Masters to ensure team readiness, resolve ambiguity in stories and features, and facilitate sprint planning, sizing, sprint completions, demos, and meeting release dates.• Worked closely with the NAF legal team to ensure product compliance with legal and regulatory standards.

Richardson, Texas, Us

• Oversaw multiple verticals: conventional market; affordable market; and student market• Assess customer needs and pain points in collaboration with company stakeholders• Define key product objectives and benefits, linking back to both market/user needs and business objectives• Delivered full business case for all product proposals – with full financial cost/benefit analysis• Create user interface wireframes, mockups, and prototypes alongside development teams• Build product roadmap and release plan based on feedback from customers to define future development phases for the product• Build and execute a go-to-market plan including commercialization, positioning, channel and customer support strategies in collaboration with Sales and Marketing departments• Manage the build cycle of the product – working with key stakeholders and acting as the single point of decision making for the product• Develop features into user stories that are granular enough for sprint cycles, and convey the type of user as well as the “what” and “why” of the users’ needs• Work closely with Engineering technical leadership to ensure key architectural roadmap items are woven into the product backlog in the USA and India• Work closely with other Product Owners to identify cross product dependencies (8-10 product owners)• Actively use and report key product measurables (e.g. usage, user feedback etc.), in relation to known performance targets, and produce improvement plans where needed• Be the primary resource for questions about the details of the projects through interaction with internal resources, customers, and stakeholders to understand business processes and requirements• Give product demonstrations and presentations to clients as needed and/or at conference and trade shows

Plano, Tx, Us

• Analyze, perform due diligence, structure, document, negotiate and close deals• Manage deal process and coordinate interactions with counterparties, consultants, advisors, lawyers, and other outside parties• Prepare presentations and materials for senior management and committee review• Present transactions to senior management and loan committee for review and approval• In coordination with other internal groups, monitor existing investments/loans• Acts effectively as part of the Bank’s Senior Management Team and works together towards achieving the Company’s overall goals• Train and develop Directors, Vice Presidents, Senior Analysts, and Analysts

San Francisco, California, Us

• Lead, manage and develop a team of direct and indirect reports with low to moderate complexity and risk in retail banking branch• Engage stakeholders and internal partners associated with retail banking• Identify and recommend opportunities for individuals to efficiently improve process and risk control development for all functions in the retail banking branch• Make decisions and resolve issues regarding customer and team experience, risks, and growth of the retail banking team to meet regional banking business objectives• Execute policies and procedures in alignment with applicable regulations, as well as audit and escalation procedures• Collaborate and consult with peers and retail banking colleagues and leaders• Serve as a role model to deliver an exceptional customer experience and focus on building relationships• Engage customers to understand their financial needs, and work proactively to help customers succeed financially• Manage allocation of people and financial resources for Regional Banking• Mentor and guide talent development of direct reports and assist in hiring regional banking talent

New York, New York, Us

• Develop a sales plans and drive individual production goals, including building referral network and relationships with internal partners and external contacts• Create an environment through activity-based coaching and performance development and implement/execute coaching plan to develop employee’s skill set to achieve personal/branch goals• Develop and execute integrated sales, relationship, and credit strategies that are aligned with the Retail Bank's priorities, execute business plan to achieve expected goals in all business categories• Support portfolio growth by identifying opportunities to deepen relationships and increase client acquisition and ensure clients receive optimal service and monitor/adhere to operational controls• Collaborate with branch partners to successfully achieve goals, build customer relationship and deliver customer service• Leverage workforce planning tool to optimize staffing in branches and set expectations for branch staff, fostering an environment in which team members work together to achieve all business goals• Integrate segment partners, partner with Assistant Manager and partner with the Division Operational to drive sales and drive outbound sales activities including: representing Citi and building partnerships in the community• Conduct daily proof processes to ensure adherence to operational requirements; investigate controllable losses among branch staff; provide coaching and manage performance on decisions used• Lead hiring process and coordinate performance management, compensation, communication and employee evaluation of branch staff• Responsible for planning, budgeting and policy formulation and involved in short-term planning resource planning

New York, Ny, Us

• Owns and drives a consistent and positive client experience• Understands client needs and connects digital solutions to enhance the client experience.• Partners with teams to prepare for and conduct regular client relationship reviews:• Product awareness / optimization• Introduces new tools / processes• Fraud prevention• Leads client transformation initiatives for operational efficiencies• Continually evaluates and enhances processes• Continually evaluates & enhances processes/training based off of client feedback• Participate in RFP Planning, Team the Deal calls, & client meetings

• Responsible to produce a variety of Credit Risk Reports, leveraging big data bases and manipulating information using Excel, Alteryx and Tableau.• Responsible to provide analysis and raising data issues/errors• Responsible to build process workflows and documenting Operating Procedures.• Ability to take complex data from numerous large spreadsheets, which may present data in different ways, understand it and then present it in a clear easy to comprehend fashion• Monitor data quality controls associated with the inputs and outputs from the risk systems

Candidate For Mba’26, Business Administration And Management, General

Candidate For Mba

Masters Of Science, Information Science

Bachelor Of Science, Finance