naleu [nah • loo] provides working capital to under-served small business owners, across a variety of industries. naleu strives to empower small business by revolutionizing the lending industry with its focus on tech innovation, authenticity, and transparency. Access to capital remains one of the biggest challenges that business owners face today. This limited accessibility, in combination with misinformed financial (de)education, creates an unforgivable tonic. We’ve built our organization on the notion that companies shouldn’t have to jump through hoops to get funding for your business.Choosing the wrong lending partner can cost you 𝙩𝙝𝙤𝙪𝙨𝙖𝙣𝙙𝙨.Let us help you maximize your business.Find out more at: www.naleu.com

Led our banking and credit product line, while owning the success of Nearside credit lending and banking products from end-to-end. Managed credit and risk aspects of the business, including:Creation of new credit products from design to process implementation to launch;Development of credit AI/ML models for all loan/payment products;Establish long-term strategy of the banking and credit portfolio;Development of proprietary data-driven decisioning modules for customer acquisition, credit underwriting and payment systems;Raising over $200MM+ in SPV debt financing.(Acquired by Plastiq)

Hired as company's first Director of Operations. I managed a team of 20+ underwriting/product managers across three offices (U.S./India and Australia) in defining and mitigating high credit risks, cross-functional risk projects, and effective portfolio ($1 billion) assessment/monitoring. I also collaborated with senior executives in defining and driving scalable solutions across all business lines for this leading online marketplace for small business financing.Additionally, I:Directed the underwriting workflow for alternative credit products, including research across cash flow models, real estate trends, current/projected market valuation, and profitability statements.Created a cohorted growth model to measure our end-to-end customer lifecycle - from acquisition, activation, engagement, retention, monetization, and resurrection - and identified our biggest opportunities and points of leverage.Piloted client teams in developing operation transformation opportunities in core processes, including loan origination and servicing/customer service/branch sales and operations, as well as technology functions (Biz2x SaaS platform).Executed CFE accountabilities across cross-asset solutions that entailed fraud and risk prevention strategies and diligence on corporate governance/compliance protocols.Results of these functions aided in boosting revenues, expediting the commercial loan process across four global markets, enhancing loan-output efficiency, portfolio claw-back, and overall productivity, year-over-year, as well as improving employee retention and satisfaction rates.

At Merchant Cash and Capital, I oversaw a team of 15 analysts and support staff that dictated training/development and performance management to drive and support operations in risk assessment/financial servicing and portfolio ($250 million) management of firm’s diverse client base.I also:Developed/implemented and maintained the credit underwriting strategy for digital lending products employing statistical tools and analytical techniques to generate insights and optimize credit decision-making.Cooperated with internal teams to revolutionize data management through design/testing and incorporation of a back-end enterprise system.Built and optimized existing customer management strategies to improve customer level profitability.Select accomplishments over my 18-month tenure entailed driving an uptick in YoY originations, facilitating growth in credit and syndication facilities, being recognized as a top-performer for four consecutive quarters with double-digit gains in loan production each quarter, and progressing from a Senior Credit Analyst (02/2015 – 07/2015) to Manager, Underwriter - Payments.

In this role, I supported all aspects of business development for the most critical partnership opportunities to help accelerate proprietary banking and payment strategies. I also superintended team members/target goals/marketing plans, including assisting in their sourcing/prospecting for new business and strategic partnerships in municipality space and nurturing partners to generate leads to drive the business forward.As a result,Delivered 100% account growth (2014) and exceeded monthly goals, an average 53% for 20 consecutive months.Increased revenue generation 20% through strategic partnering with global hedge fund initiative in launching/ budgeting and operating company-wide line of credit product. Augmented total revenue by 35+%, having employed a go-to-market strategy to originate/pitch and lead the first city-wide outreach campaign specialized in financial literacy/corporate fraud and compliance seminars for presentation to executives and senior decision-makers in both the public and private sector, including CUNY - N.Y. Department of Corrections -N.Y. Fire Department -NYPD Traffic Enforcement -Transit Workers Union - N.Y. Presbyterian Hospital - Jacobi Medical Center - NYC Department of Education -YMCA - St. John’s University - Harlem Children’s Zone, et al.Selected by NY Police Commission to serve as keynote speaker for NYPD (2000 recruits/sergeants and detectives) regarding critical significance of financial wellness, combating corporate fraud, and adhering to corporate governance.Partnered with United Teachers Federation and Barclays Center for participation in the Big Apple Classic Leadership Summit 2016 attended by 300+ high-school students by offering a lesson in financial literacy to help them transition from high school to college and beyond.