Confidential consulting engagements for industry, private equity and venture capital clients. Advisor to early-stage companies, including Diro (Real-time authentication and info verification), MINTangible (Certified digital assets for NFTs), and MPOWER Financing (Education lending for international students.)

P&L ownership of $1.2B revenue credit card and powersports lending business for 3.8 million US consumers with $4.8 billion in loan balances.• Over 3 years delivered ~45% increase in Credit Card receivables & revenue and ~27% increase in Powersports lending. Achieved highest annual revenue and net income in bank history.• Expanded origination of new accounts into digital channels, developed co-brand capability, optimized product terms, and implemented new predictive models and updated underwriting.• Led organization of ~130 professionals in functional areas of credit, decision science, fraud, marketing, product management, collections, and several front-line operations teams.

Accountable for Risk & Analytics for payments business serving 750K US businesses with annual payment volume of $160 billion. • 2019 business results better than plan by 17% on credit losses and 13% on expense• Senior Risk Officer of Merchant Services; Chair of Enterprise Risk Committee.• Led talented team of ~150 professionals located across 5 offices in US and UK• Pre-merger planning and post-merger integration in support of Global Payments acquisition of TSYS

PE-owned consumer lender with operations in 8 countries.• Launched term loan lending in multiple countries with distribution through branches, direct mail and digital channels. Redeveloped credit, collections, and fraud strategies for Canada and US markets, resulting in 25%+ reduction of credit and fraud losses while doubling average loan size.• Led a diverse team of ~130 colleagues located across 10+ offices in 7 countries accountable for Risk Management, Underwriting, Marketing and Customer Analytics, Decision Science, Collections Strategy, Fraud and Loss Prevention, and Health and Safety.• Facilitated securing purchase agreement, due diligence, and sale of the 6 European businesses to HPS Investment Partners.

End-to-end risk management of $22 billion credit card portfolio and $8 billion deposits business. (2013-2016)• Accountable for credit, account management, fraud, collections, risk appetite, and portfolio monitoring• Facilitated 50% growth of receivables ($14B to $22B) in 2013-2014 with no deterioration in credit quality.• Interfaced with regulatory agencies including EBA, FDIC, Federal Reserve, and PRA. Demonstrated capital adequacy and resiliency of business model through 5 different stress test submissions. • Worldwide responsibility for capital, impairment, management information and model validation for Barclaycard. (2012-2013)

Risk Management oversight of $120+ billion US consumer and small business lending portfolios. Established risk appetite and risk control framework, oversight of lending activities, regulatory relations with FDIC and OCC.• Established risk appetite for lending businesses consisting of asset quality requirements, exposure ceilings, and geographic concentration limits. • Relationship management with regulators, OCC as well as Federal Reserve and CFPB, to ensure full compliance with regulations and successful exam outcomes.• Facilitated changes to underwriting that contributed to material improvement in asset quality, for domestic card portfolio from a peak of 12.0% annualized NCL in Q1 2010 down to 5.3% in Q2 2012.

Portfolio governance of domestic consumer credit card business with $50 billion in outstanding loans.

Accountable for underwriting for super-prime credit card portfolio with $22 billion in outstanding

Responsible for $750MM revenue / year Cross-Sell Products business consisting of 9+ million distinct customer relationships.

Growth strategy engagements in US, Europe and Asia with industry focus on technology clients.