Led teams responsible for transforming our IT support model and infrastructure for IntraFi’s brokerage sweep business and for delivering solutions to business platforms leveraged across the company such as CRM, intranet, data tools, LMS, data lake, and the public marketing site.

Led a team of 3,000 nationwide mortgage professionals driving purchase, refinance, and equity loan originations through retail and consumer direct business models. Scope of teams included loan officers, processors, underwriters, closers, product, strategic and administrative roles; 9 direct reports. Responsible for all aspects of mortgage originations business strategy and culture. Drove implementation of cloud-based loan origination system replacement, lead management and digital point of sale system redesign, growth strategies through marketing segmentation, realtor and builder partnerships, operational process efficiency execution, and risk policy modernization. Results included a 46% increase in relative market share and 12% increase in member product penetration. 2017 through 2019 results include improving market position from 18th to 11th largest retail mortgage lender with over $18 billion of annual loan originations and 2nd overall industry consumer satisfaction score (888) according to the JD Power Primary Mortgage Origination Survey(SM).

Led teams responsible for managing Lending Analytics, Operational Risk, Training, Payment Protection products, Student Lending, and the Credit Card business, which ranked #10 by outstanding balances among U.S. Visa-MasterCard issuers. Prior to rotation, successfully onboarded American Express network, negotiating issuing agreement and navigating technical implementation.Mobilized a team of 230 spanning the business model from customer-facing to back office business functions. Served on a number of payments industry consortiums driving executive-level discussion. With responsibility for the full credit card P&L, results included more than doubling total accounts, sales volume, and balances while maintaining benchmark-leading profitability and service levels. Cardholder account penetration increased by 48% during five-year tenure. Considered by business media outlets to be an expert in the field, insights have been included in print and online while also appearing a number of times on television and radio as networks have sought views on leading-edge payments industry topics. Major initiatives included: Mobile wallet implementation, EMV chip card migration, Multi-card platform deployment, Origination system replacement, New product development, Custom credit scorecard implementation.

Responsible for full P&L and directing activities related to originations, servicing, marketing, and development of the credit card business. Strategic initiatives included: streamlining business operations to optimize cost efficiency while maintaining superior service experience and industry leading portfolio growth; developing brand awareness and creating unified, multi-channel marketing strategies; executing growth strategies with consideration for risk management. Guided complex analysis on rewards product optimization, resulting in product enhancements to increase cardholder loyalty and reduce account management expenses achieving a $79MM NPV.

Managed operations and activities related to credit processing, acquisition, and growth of the credit card business. Responsible for portfolio revenue budget, business development, marketing analytics, and strategy. Supervised loan officer production and developed underwriting strategies to effectively manage risk while optimizing portfolio growth opportunities. Designed and executed product positioning, promotion, and pricing strategies for card product lines. Attended Visa International Bankcard Management School in Miami, FL and won the card portfolio management competition by delivering top grossing business in simulation.

Performed analysis to manage and optimize lending portfolios’ risk and profitability in support of the Executive Vice President of Lending. Provided relevant, accurate information on portfolios in an effort to counsel portfolio management on business decisions. Responsible for producing loan loss forecasts for consumer lending and credit card portfolios; forecasts updated monthly to establish allowance for loan and lease losses, portfolio valuation, budgeting, and stress testing.

Performed analysis and processing of broker information pertaining to registration, licensing, continuing education, hiring and attrition activity, and trading operations. Completed analysis for state jurisdiction and National Futures Association (NFA) regulations while aiding $6.8 billion merger with A.G. Edwards.