Michael Torres Email & Phone Number

San Diego, Ca, Us

San Francisco, California, Us

Created the strategic direction for NerdWallet's loans vertical (personal loans, mortgages, student loans, and auto loans). Streamlined user experiences, introduced ML-driven product recommendations, and implemented cross-selling strategies, significantly contributing to revenue growth.Led the vertical integration of multiple acquisitions into NerdWallet's internal ecosystem, successfully merging diverse teams and technologies. Evaluated acquired products and tech stacks, identifying synergies that enhanced offerings and drove user growth.Managed strategic lending partner integrations with top-tier partners like SoFi, LendingClub, and Rocket, ensuring compliance with regulatory standards and exceeding partner expectations, contributing to NerdWallet's growth.Launched over ten 0-to-1 products and features, addressing complex user problems in areas like credit card rewards, debt management, and credit building. Broadened NerdWallet's market reach and strengthened its competitive position.Spearheaded TheRateChopper, a microsite marketplace targeting a unique customer segment and activating new acquisition channels, leading to substantial user and revenue growth.Advanced NerdWallet's product vision by evaluating build, buy, or partner opportunities and securing executive support for a product recommendation engine that connects anonymized data with lender models, delivering real-time, personalized loan offers and transforming the loan shopping experience.Mentored and coached PMs across the organization, sharing learnings and best practices widely adopted within the product team.Recognized as a top performer, consistently exceeding expectations in reviews. Awarded the "What Good Looks Like" award by CEO Tim Chen and the 2024 Product Visionary award, voted by Product Managers across the organization.

San Francisco, California, Us

Marketplace (Personal loans)

Carlsbad, Ca, Us

Led the launch of EasyPay's Waterfall Financing Portal, a white-labeled credit application for major auto repair franchises like Meineke, Midas, and Big O Tires. This portal instantly analyzes loan applicants and processes their applications through a multi-lender cascade—covering prime, near-prime, and subprime options—to find the perfect match. Integrated with Synchrony and Citi Bank as prime credit issuers, this solution positioned EasyPay as a leader in the subprime automotive financing market, generating millions in loan originations.Spearheaded the 0 to 1 launch of EasyPay’s Virtual Card Application, a mobile solution enabling users to apply for financing on their device, receive instant approval, and pay at the register using a one-time virtual card. This innovation significantly reduced checkout friction for both customers and merchants and was adopted by leading retailers such as Tire Kingdom and NTB, contributing to millions in annual revenue for EasyPay.

Carlsbad, Ca, Us

Led an overhaul of EasyPay's product portfolio, including the Consumer Credit Application, Customer Loan Servicing Portal, Merchant Onboarding Flow, and Merchant Portal. Prioritized a seamless user experience, resulting in increased competitiveness, higher merchant registrations, a substantial uptick in loan originations, enhanced merchant retention, and unlocked customer self-serve functionality.

Carlsbad, Ca, Us

Expanded the business development team to 10 direct reports. This expansion facilitated EasyPay's market expansion from 20 to 50 states through a partnership with TAB Bank, enabling access to new markets and supporting a $50 million Credit Facility by Ares Management Corporation.

Atlanta, Ga, Us

Bachelor Of Science In Business, Business Management

Master Of Business Administration - Mba