Matthew Kramer Email & Phone Number

Salt Lake City, Ut, Us

South Jordan, Utah, Us

Toronto, Ontario, Ca

Recruited to lead revitalization of the TD Ameritrade Credit Card Program including launching a new value proposition and building robust channel integration to drive growth. Following announcement of the TD Ameritrade merger with Charles Schwab, pivoted to lead customer segmentation initiative and developed a robust value driven segmentation and associated tactics to deepen customer relationships across deposit and lending products

Stamford, Connecticut, Us

Chief Marketing Officer for the ~$5B Gap Inc. family of Co-Brand Visa & PLCC products responsible for all aspects of product and marketing. • Managed and optimized $20M+ annual marketing budget for 15 products and over 250 campaigns. • Built a road map and executed marketing and product initiatives to drive $200M+ in incremental purchase volume annually. • Led value proposition refresh initiative leveraging qualitative and quantitative methods to increase cardholder engagement• Implemented refined segmentation strategy to drive increased usage of the Visa card outside of Gap stores. • Led a team of 18 marketing professionals

Stamford, Connecticut, Us

Responsible for managing the Cathay Pacific credit card program including full P&L ownership, client relationship management, and product marketing. • Launched Synchrony’s first airline credit card program and implemented best practices to drive profitable new account acquisitions.• Built out capabilities to leverage partner data to target offers driving 2.5x higher response rates, lower total acquisition costs, and increased cardholder engagement. • Led development of the product capability road map to enable Synchrony to compete in the competitive airline Co-Brand segment.

Stamford, Connecticut, Us

Set the foundation for Synchrony’s digital payments capabilities and built the strategic plan for Synchrony and key retailer partners in the mobile payments space. • Drove thought leadership across the organization to develop a road map of enhanced capabilities tied to key P&L metrics including instant digital issuance. • Built relationships with key mobile wallets partners including Apple Pay and other FinTechs as well as industry players including FD, Visa, and MasterCard. • Led complex implementations to drive strategy into action.

London, Gb

Core leadership team member for a line of business expansion project into PLCC including developing the business case and building out the target retail partner pipeline.

Johannesburg, Johannesburg, Za

General Manager for the Consumer Credit Card Business including full P&L ownership of the R18B (US$1.8B) portfolio. • Responsible for leading both the Open Market/Co-Brand and Absa Retail Branded Credit Card Products. • Directly manage a team of 10 professionals and indirectly lead key support function stakeholders• Designed a re-positioning marketing campaign to bring Absa Credit Cards back to top of mind in market and increase customer usage as well as new account sales• Streamlined the product continuum in the core middle market and designed product value proposition enhancements in the affluent segment to increase new account sales and usage

Johannesburg, Johannesburg, Za

Selected to lead the newly developed team responsible for defining the Open Market strategy and executing upon it, including taking P&L ownership of the existing Open Market products and the newly launched Co-Brand products.• Responsible for developing the co-brand strategy including identifying co-brand partners, developing value propositions, negotiating contracts, and launching the programs• Manage the products end to end including setting the operations strategy, influencing credit risk, and designing sales and ECM strategies• Successfully designed the product value proposition and financial offer to win the Avios Travel Rewards Program Credit Card and takeover the British Airways Credit Card business from a competing bank. • Managed the development and launch of the Avios and BA Credit Cards including a comprehensive multi-channel marketing approach for Avios and win-back for BA including launching the first in market in-flight sales channel• Developed and launched a multi-channel marketing campaign including both above the line and direct marketing elements for the Virgin Money Credit Card which resulted in booking the highest monthly number of new accounts• Conducted extensive market research to identify core customer needs in support of designing a needs based segmentation as a foundation for the product line strategy• Directly managed a team of 6 professionals

Johannesburg, Johannesburg, Za

• Lead and managed the team responsible for driving value from existing customer management activities including balance build, limit management, retention, dormancy, and upgrades. Managed 4 professionals• Lead a focused effort on revitalizing retention, including identifying root causes of closures and enabling offers to counter these. Impact was to improve the retention rate by more than 50% in less than 5 months• Introduced more sophisticated promotional pricing offers including launching a multi-channel marketing campaign for balance transfers and partnering with iStore to offer a promotional purchase rate driving card usage and balance growth

London, Gb

• Internal consultant for International Barclaycard business including Spain, Italy, Portugal, South Africa, UAE, and India• Developed a strategic review of the Indian Barclaycard credit cards portfolio and identified in excess of $48M in cost savings via a market exit plan. Used this analysis to gain full senior management approval to implement the plan• Manage the market exit process for the Indian cards portfolio including managing the portfolio sale process and the fall back customer wind down plan• Developed the portfolio segmentations for Spain and Italy used to develop existing customer marketing campaigns targeted to each segment to optimize balance build and interest income. • Implemented a robust financial forecasting model for the Indian credit card business and provided in depth training in best practices for forecasting and modeling• Indirectly manage analysts in each of the supported countries, provided day to day management and mentoring of a management trainee rotational candidate

London, Gb

• Lead the portfolio valuation modeling and analysis for new Co-Brand and PLCC Partners including building the cash flow based valuation model, participating in the due diligence process, determining the portfolio purchase price premiums, and driving the recommended bid strategy approval process• Develop optimal deal structures and revenue sharing/compensation terms to align both the partner’s and the bank’s interests• Enhanced the portfolio valuation model to allow for more precise revenue yield modeling, as well as refining the inputs and model structure to minimize modeling errors• Lead the analysis to identify and sell small partner programs that are no longer strategically aligned with the bank. The process includes modeling the projected sale impact to the P&L, managing the due diligence process, researching potential complex deal structures, and negotiating asset sale and interim servicing contracts• Assist in developing a strategic plan for the US credit card business, specifically in analyzing the inorganic growth opportunities and modeling the P&L impacts for various acquisition and market expansion strategies.

Round Rock, Texas, Us

• Drive strategic recommendations for promotional financing offers to optimize financing income and product margin. Manage the consumer finance analytics team that develops business cases and models to support sales and marketing strategies• Manage the finance component and strongly influence key sales and marketing decisions for strategic projects including direct mail prescreen segmentation, instant prescreen functionality, pricing strategy to better acquire and retain prime assets, etc.• Influence key stakeholders across Dell and Dell Financial Services by communicating the strategic value of financing and making recommendations through which financing can be leveraged to optimize combined profits.• Support the Business Development team by building business cases, financial models, and recommending the best course of action for launching potential new financing products.• Team Lead (Manager) for two analysts

London, Gb

• Assisted the Business Development team in analyzing the profitability of potential retail co-brand partners (industries included big ticket electronics, luxury goods, and internet music) by building financial models, preparing sensitivities of various scenarios, and presenting the recommendations and findings to Senior Management. • Manage the financial analytics for an affinity loan portfolio with over $300 million in receivables. • Drove the financial strategy for launching three new loan products to be offered via direct mail. Responsibilities included performing competitive market research, recommending optimal price points, and preparing program pro formas• Drove the portfolio management strategy to ensure sustainable and profitable growth for an affinity credit card portfolio with over $5 billion in receivables by developing balance transfer and account activation mailing campaigns.

Monterey, California, Us

• Project manager for creating a strategic three year plan for a business segment generating $30 million in annual revenue. Created a budgeting model for the division to increase operating profits by over $1 million in the first year of implementation. Perform monthly budget variance reporting and analysis as well as create forecast models to identify significant variances from plan and recommend actions to ensure that the target is met• Constructed a benchmark study to identify the best performing states in terms of sales and used this data to help the sales team develop a plan to bring the lower performing states more in line with the best performing states• Built a business case for the merchandising team to successfully increase prices on proprietary products by performing a price elasticity analysis• Developed a cash-flow forecasting model to determine potential debt servicing needs as well as available funds for capital purchases and acquisitions

Mba, International Business

Ba, International Studies