﮲ Optimize product and marketing resources and investments for PayPal’s consumer revolving credit products, including key US partnership programs﮲ Ensure consumer credit products meet or exceed current year financial contribution targets﮲ Identify, analyze and model revenue and profit opportunities and risks vs. the financial plan﮲ Advise senior PayPal leaders on long range strategic planning, including new products, product enhancements, pricing, risk management and partnership programs﮲ Develop OKR / KPI targets and strategies to drive profitable growth﮲ Manage and optimize current year operating expenses for revolving credit products. Identified over $7m (16%) of 2023 operating expense savings opportunities vs. baseline 2023 projections.

﮲ Built and managed FP&A team for credit and financial services products.﮲ P&L reporting, analysis, and planning processes for credit cards and Buy Now Pay Later (BNPL) in US and 7 other countries﮲ Managed FP&A for partnership programs with large US banking partner.﮲ Develop long-range strategic plans and financial projections for existing and new credit businesses at PayPal. ﮲ Analyze and model new revolving credit and BNPL opportunities in existing and new markets. ﮲ Proforma modeling to inform product enhancements, merchant and consumer pricing, and new market opportunities.﮲ Work directly with senior product managers to analyze, plan, and present business and financial results to leadership.﮲ Forecast and analyze growth and usage KPI’s for credit at PayPal﮲ Oversee expense planning and analysis for PayPal’s credit businesses﮲ Established financial services FP&A team, reporting and forecasting processes for debit and deposit-related products at PayPal. ﮲ Manage balance sheet and capital adequacy. Key role in creation of a unique captive finance structure and execution of PayPal Credit portfolio sale and conversion to a large issuing partner.﮲ Site emergency event management leader. Responsible for communication to ~1,000 employees regarding local office emergencies, including March 2020 closure due to Covid-19

﮲ Played an essential role in growing a start-up on-line credit business that was sold to PayPal/eBay for nearly $1B during the credit crisis in 2008.﮲ Established forecast, analysis, and management reporting tools and processes.﮲ Hired, managed, and trained a strong team to support a fast-growing and disruptive business.﮲ Worked daily with company founders, supporting their decision-making processes in building a market-leading on-line lending business.﮲ Interacted with equity investors, funding partners, investment bankers, and potential acquiring companies to help grow the business, explore a potential IPO, and ultimately sell the company to eBay/ PayPal.