Nate Bacon Email & Phone Number

Wilmington, Delaware, United States

Lead the consumer and small business credit card product teams

Wilmington, Delaware

Leading the Card product organization, P&L owner, responsible for driving portfolio growth, enhancing financial returns, and revitalizing the customer experience.Grew the Citizens Bank consumer card portfolio 40% Led the conversion of the HSBC Northeast card portfolio and the integration of 230 HSBC and Investors branches into the Citizens card sales practices and infrastructure, enabling a strong entry for Citizens into the New York/New Jersey regionCo-chaired the evaluation of network partners for the enterprise, leading to a new agreement with Mastercard that contributes hundreds of millions in savings & added value over the termLed a large and diverse team in a matrixed organization, achieving an OHI employee satisfaction score of 79Maintained return on assets ratio of 1.6 - 2 through various economic cycles by continuously enhancing fraud and credit risk management tools & strategies, controlling expenses & remaining focused on efficiency, and balancing investments in front book growth with strong portfolio management strategiesTransformed a lagging digital customer experience by partnering with the mobile technology team to build out Card customer experiences in the homegrown core mobile app, increasing digital channel NPS by 7 – 10ptsLaunched new cash back and wealth products to compete in a dynamic card market and deliver relevant solutions for key customer segmentsPartnered to design a personalized onboarding and lifecycle marketing platform to deliver timely and relevant communications to customers at key points in the card experience, increasing card activation rates over 500bpsBuilt and integrated partnerships with new financial technology entrants to rapidly deliver enhanced capability and improved customer experiencesMaintained strong relationships with the governing bodies (CFPB, OCC, Fed), closed any past MRA’s satisfactorily and on time, and maintained a self-ID rate above 80%

Wilmington, Delaware

Driving portfolio revenue optimization through lifecycle marketing, loyalty benefits and rewards offers, while leading card payments capability enhancementsResponsible for performance optimization of the card portfolio ($100B balances / $250B spend), inclusive of onboarding, portfolio stimulation, program benefits enhancements, loyalty marketing, and digital wallet engagementLed the transition of the card portfolio to contactless EMV in 2014, navigating the various plastics and chip providers and solutions, leading the industry to 100% adoptionChaired the adoption of digital wallet functionality for the consumer card portfolio, driving customer engagement and usage of the new capability while protecting from provisioning fraudOwned the Credit Builder secured & partially secured portfolio management strategies, maintaining engagement and driving retention as we helped customers build credit or recover from damaged credit, graduating them to fully unsecured products over time as they demonstrate strong payment behaviorLine of business owner for Risk Control functions for the existing card portfolio, leading multiple initiatives to limit credit risk exposure and control fraud riskDrove engagement in the Preferred Rewards relationship rewards program through personalized enrollment and engagement marketing to capture increased wallet share

Wilmington, Delaware

Growing card sales through new product development, product targeting, promotional pricing, & incentive strategy optimization.Responsible for the strategies to align card product, promotional pricing, and incentive offers across all marketing channels to optimize new account production and profitability.

Wilmington, Delaware, United States

Built out a new personalized onboarding and spend engagement campaign catalog

Wilmington, Delaware, United States

Credit risk strategies analyst focused on proactive risk identification and line management

Wilmington, Delaware, United States