Created and led consumer core product strategy team for Nordstrom’s $4B co-branded & private label card business. Drove broad organizational goals, strategies, and priorities to meet strategic objectives and identified opportunities across programs while fostering bank and issuer relationships. Responsible for reporting project and process updates to both internal (CFO, EVP of Credit, etc.) and external (partner banks) stakeholders.Through the use of market and competitor research, analytics, risk assessments, and brainstorming sessions, built core product-focused team to identify business cases, growth opportunities, and deficiencies in the credit services business for a more profitable and better-managed program. Interfaced with Information Technology and Finance teams to lead development of a deep dive strategy and execution plan to review existing credit system settings, credit processes, and loyalty programs, which laid out a strategic product roadmap which projects to add millions in new revenue. Established resource needs and a phased program approach for a multimillion-dollar initiative as the lead business owner and program owner. Acted as product owner for several critical deficiencies, leading an end-to-end cross-functional remediation process. Launched Competitive Insights Team to inform leadership about industry trends and analysis, which drove key business transformation decisions with Q4 2020 implementation dates. If successful, product structures will be realigned to match a more profitable and efficient industry model. Directly supervised six employees. Responsible for personnel management: recruiting, hiring, firing, discipline, team culture, training, and professional development.

Strategic lead and program manager for the transformation of traditional card product offerings to digitized frictionless payment experiences. This included mobile wallet payments, same day ACH transactions, invisible payments (interaction-free payment, like paying for an Uber), and P2P payments. Lead a cross-functional team of product managers under the frictionless payment banner to manage holistic strategy and policy.Represented innovation and tech culture while interfacing with internal teams within the Discover Global Network to manage full life-cycle of roadmap development (design, implementation, and go-to-market). This strategy secured buy-in from senior leadership even in the midst of a large organizational restructure. Partnered with multiple Fortune 100 strategic merchant clients to better understand their business needs and, when appropriate, adapt internal strategies and policies to align with their needs. Worked in a matrixed organization with dotted line relationships to multiple stakeholders (product managers and engineers).

Managed client relationships within three major retail credit card portfolios in the luxury and home improvement sectors, totaling over $4 billion in topline sales. Developed, marketed, and implemented innovation strategies to increase card penetration, improve returns, and grow programmatic revenue-sharing. Regularly prepared, managed, and presented complex strategy and KPI analysis to clients and internal leadership at the C-suite level. Guided profitability of programs using competitive strategies to engage existing customers and forge new accounts. Leveraged strong relationships with internal resources (Legal, Compliance, Operations, Marketing, Software Engineering/IT, Finance, etc.) to effectively support clients. Strategically analyzed market trends, industry cycles, and competitive landscape to grow innovation and increase profitability via cost reduction and sales growth.Built robust growth strategy and negotiated resource commitments and investments for a forecasted profitability of 14% across managed portfolios, a result of strategic reduction in costs and risk while increasing sales. Leveraged partner relationship to contribute to contract structure and long-term extension discussions concerning partner portfolio. Drove a 43% lift in new applications on luxury retailer portfolio by delivering a user-friendly redesigned mobile application experience, which resulted in an 8.3% increase in profitability year to date. Introduced the first-ever paperless disclosure solution in compliance with the Truth in Lending Act (TiLA/CARD Act), which resulted in a 31% lift in online applications within six months of implementation. Developed digital fraud reduction strategy utilizing proprietary ID scan technology and implemented tech into major luxury retailer portfolio. Managed implementation, resulting in a 27% reduction in onsite application fraud losses across pilot program within 4 months.

Managed day-to-day partner relationships within a $3 billion Home Improvement portfolio. Strategized and managed implementation of growth and innovation initiatives, strategies that were bought into by C-suite executives at client retailers. Represented the partner’s voice in an effective interface with IT, Business Data, and Business Analytics teams, which transformed client-facing reporting and analytical tools into customizable on-demand metrics in Tableau. Managed Marketing and Analytics vertical team utilizing industry-standard agile methodologies for improved efficiency. Led market research and decision making in contract re-negotiations, which would allow the team to retire a sunset legacy platform and implement a modern, widely-used platform in support of sub-portfolios. This resulted in $2.5 million savings and a 16% reduction in operational costs. Drove a portfolio-profitability increase of 7% vs. annual budget via increased engagement. Earned a performance-based promotion to Client Development Manager at year-end 2016, which recognized my ability to manage teams and projects, recognize risk, and leverage internal and external relationships for product success.

Assisted in the day-to-day relationships within $2.5 billion retailer portfolio. Strategized marketing, underwriting, promotional activities, and participated in presentations to C-level executives. Partnered with analytics team to improve consumer credit underwriting strategy, which resulted in a 17% lift in in-store approval rates vs. previous model. Served as the voice of the partner to identify liabilities and opportunities for analysts responsible for creating credit policy model. Led Partnerships portfolio in 2014 by posting a topline sales increase of 13%, driven by an increase of purchase activity on new and existing accounts. Earned a performance-based promotion to Principal Associate, Client Development in 2015, which recognized both my expertise in portfolio knowledge and familiarity and my ability to anticipate partner risks and needs in strategy development.

Selected for post-collegiate leadership development rotational program in sales, account management, and marketing. Enforced accountability for exceeding aggressive sales targets for a seven store, 150 employee territory. Coached associates to execute sales plans and developed a goal-oriented, winning culture that placed an emphasis on servant leadership.Drove account territory to top stack ranking in 2012 across the IL/WI region based on various key performance indicators. Supported the development of multiple large-scale marketing campaigns for 116 stores, including the implementation of local sponsorship elements and both regional and national promotions. Developed an NFL Draft Day promotion resulting in a region-wide 21% sales increase monthly.

Collaborated with CEO to develop a critical marketing campaign to generate new sales, and coordinated various organizational events to promote the benefits of company offerings to clients