Achievement-driven, Director-level Marketing Professional with a solid background of success and expertise in all aspects of product management, marketing strategy and direct marketing.I have developed and executed winning strategies that drive growth and increase profitability. I have been recognized for outstanding achievements in product development, direct marketing and product management with several organizations.Credit Card products experience (private label, co-brand and bankcards). Debt Protection, Credit Insurance, Identity Theft, Credit Monitoring and Lifestyle products.Retail cross-sell experience at JCPenney. Direct Marketing products and services to existing customers.Consumer Insurance Direct Marketing experience for Credit Insurance, Group Accident, Health & Life products.Specialties: Direct Marketing, Product Management, Portfolio Management, Marketing Strategy, Loyalty, Retention, Engagement, Program Management, Product Development, Third Party Vendor Management, Operational Controls, Regulatory Audits, Performance Analysis, Decision Making and Problem Solving, Client Management, Contracts, Negotiation, Pricing, Group Insurance & Credit Card products.