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As the Founder and CEO of Nickels, I’m passionate about using technology to create innovative solutions that help people manage their debt and make smarter financial decisions. My mission is to empower credit unions with the tools they need and, in some cases already have, to better serve their members and communities, particularly in the complex realm of credit card offerings and debt management. At Nickels, we’ve developed software that not only aligns with the values and needs of credit unions but also addresses the broader challenges of financial wellness (via credit card health) in today’s economy.With a background rooted in consumer behavior, tech, and finance, I’ve spent my career bridging the gap between data, rapidly evolving technology, and products that help people live smarter, healthier, and more efficient lives. I’m driven by the belief that everyone deserves access to fair, transparent, and personalized financial products, and my goal is to ensure that our solutions at Nickels help credit unions and their communities achieve their financial goals. Whether it’s through partnership to demonstrate how they can win with their lower interest rate credit cards or developing tools that help consumers understand their financial options, my focus is always on creating real, tangible value for the people we serve.If you share a passion for financial innovation, behavioral science, the credit union mission or simply want to discuss how we can make financial services more inclusive and effective, I’d love to connect.
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Principal Product ManagerKrakenAnn Arbor, Mi, Us -
CeoNickels Jan 2019 - PresentAnn Arbor, Michigan, UsWe build products that better connect communities with their local credit union credit cards. -
Entrepreneur In ResidenceIdeas42 Apr 2018 - Dec 2018Washington, District Of Columbia, Us -
Vp Product ManagementWhoop Sep 2016 - Apr 2018Boston, Ma, Us -
Director Of Product ManagementWhoop Apr 2015 - Sep 2016Boston, Ma, Us -
Senior ConsultantRoland Berger Strategy Consultants Feb 2010 - Feb 2011Munich, Germany, DeRoland Berger Strategy Consultants, founded in 1967, is the only leading global consultancy with German heritage and of European origin. With 2,400 employees working in 36 countries, Roland Berger has successful operations in all major international markets. The company's 49 offices are located in the key global business hubs.Roland Berger advises major international industry and service companies as well as public institutions. The company's services cover the entire range of management consulting from strategic advice to successful implementation: e.g. new leadership and business models; innovative processes and services; M&A, private equity and restructuring; and management support on large infrastructure projects.-Developed the sales and marketing strategy for the retail arm of a Canadian electricity utility. Analyzed customer data, reviewed product and sales channels, conducted interviews, and managed workshops to create the strategy for an aggressive, five-year growth plan-Supported a North American electricity and gas utility in developing their smart grid strategy. Researched global smart grid projects and created case studies to guide the utility's decisions. Wrote the utilty's Senior Executive presentation regarding their recommendations to the government for a provincial smart grid strategy.-Helped a vertically integrated energy company develop their North American strategy for incorporating liquefied natural gas into their energy portfolio -
ConsultantRoland Berger Strategy Consultants Sep 2007 - Jan 2010Munich, Germany, De-Benchmarked the operational performance (billing, customer service, meter reading ,etc) of the retail arm of a British utility relative to five top European utilities to confirm the realization of a previously completed performance improvement program-Drove activities around a cost savings turnaround measure for one of the UK's largest utilities; Tracked 260 action items from seven departments to ensure successful organization and planning for a 10% savings on a GBP 1 bn operations budget-Led a workstream that identified and quantified the drivers of a 30% profitability gap between our client, an aerostructures company, and their key competitor. Worked daily with the CFO to gather relevant data, test hypotheses, and verify conclusions.-Conducted a commercial due diligence review of a military optics supplier's technological positioning for a private equity firm-Supported the development of a EUR100 m three-year business plan for a concrete equipment supplier -
Social Studies TeacherLanai Public High School Jan 2006 - Jun 2006Taught three courses (Economics, Civics, and World History) to 57 upper-classman for the second half of the 2005-2006 school year.
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ParalegalZurich North America Jun 2004 - Jan 2006Schaumburg, Il, Us-Staff Legal Services for Zurich North America.-Responsible for providing paralegal support to three attorneys with approximately 300 worker's compensation cases.
Joseph Gracia Skills
Joseph Gracia Education Details
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University Of CambridgeEnvironmental Policy -
Bates CollegePhilosophy
Frequently Asked Questions about Joseph Gracia
What company does Joseph Gracia work for?
Joseph Gracia works for Kraken
What is Joseph Gracia's role at the current company?
Joseph Gracia's current role is Principal Product Manager.
What is Joseph Gracia's email address?
Joseph Gracia's email address is jo****@****ail.com
What is Joseph Gracia's direct phone number?
Joseph Gracia's direct phone number is +161767*****
What schools did Joseph Gracia attend?
Joseph Gracia attended University Of Cambridge, Bates College.
What skills is Joseph Gracia known for?
Joseph Gracia has skills like Consumer Marketing, Strategy, Analytics, Competitive Analysis, Business Strategy, Saas, Management Consulting, Product Management, Start Ups, Market Research, Business Development, Marketing Strategy.
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