Seth P. Email & Phone Number

Oakland, California, Us

Dublin 2, Ie

Dublin 2, Ie

Advise senior executives of Banks, FinTechs, Retailers and Investors on unsecured lending including credit, debit, prepaid, installment/personal loans and sales finance programs. Financial advisory for card portfolio transactions--purchase/program agreements & price/contract negotiations.Expertise in credit card partnership programs, portfolio purchase/valuation/accounting/due diligence, de novo card program launch, market sizing/benchmarking, market research, identifying and implementing portfolio growth initiatives.• Acquisition: Digital, DM, POS acquisition, pricing, response & NPV modeling, budget optimization• Card P&L Management: Deep understanding of card P&L dynamics (growth vs profitability; interactions among price, value proposition, targeting, costs, capital, risk and return) to enable clients manage/grow portfolios through economic cycles.• Credit Risk Management: Counsel on underwriting, line assignment, loss forecasting/mitigation, collection strategies. Conduct portfolio reviews to help investors evaluate portfolio quality & upside• Analytics: Advise on card/loan product construct, pricing, risk & portfolio management.• Loyalty: Revamp card value proposition; assist loyalty coalition grow revenue (incl. mobile wallet).• Card Program Launch: Business casing, product/program design, research and vendor selection.• Card Portfolio M&A: Advise on valuations and transactions--prepare memorandums, solicit/respond to bids, facilitate contract negotiations. Card receivable funding arrangements, due diligence and support investors evaluate payment portfolios / businesses.• Payment Innovation: Advise Banks, FinTechs, Neo banks, Retailers, OEMs and Investors on payment disruptions, new products and segments (such as subprime), bin sponsorships, card receivable financing options and partnerships.

London, Gb

Lead a team in-charge of building and managing investment decision tools and predictive models for acquiring and managing portfolios with $8 Billion in receivables. Hired and coached team of 4.

London, Gb

Restructured and integrated a $0.5B receivable acquired business; Marketing strategy for direct mail, POS and online acquisitions; pricing, profitability, credit policy and risk mitigation for $1.5B retail co-brand partnership and second look subprime programs; supported partner negotiations.

London, Gb

Lead the team responsible for strategy, product development, revenue management and analytic support for cross sell products with $0.7 Billion annual revenue.

Minneapolis, Mn, Us

Responsible for FP&A of $130MM division (tech start-up acquired by Medtronic). Managed two• Strategic Planning: Developed plan, managed models and conducted competitor analyses. • Annual Operating Plan: Managed the process from end to end; Stream-lined the process, set sector targets, established process flow and responsibilities, provided tools and ensured execution.Analysis: Developed and maintained NPV, ROI and cash flow models.M&A: Provided analyses & accounting advice. Set-up systems & procedures for acquired firms.Project Managemnet: Improved IP filing, procuring, payment processes.System Management: Managed Hyperion & SQL tools. Implemented SAP FI-CO module

Camden, Nj, Us

Analyzed financial information and its impact on business. Built financial and linear regression models and helped prepare strategic plans. Performed industry analyses. Evaluated divisions' financial performance by reviewing divisions’ financial models for assumptions. Prepared the Controller for earning calls. Evaluated investment performances of divisions. Administered (back-up) Hyperion financial system.

Gillingham, United Kingdom, Gb

Division Problem Solver (six sigma): Metal Fabrication, Delphi Thermal ($3B sales), 1999 - 2000Manufacturing Engineer: Evaporators, 1996 - 1999In-charge of production process improvement & statistical quality control of heat exchangers.Responsibilities expanded from engineering support to managing statistical quality control, to implementing lean production (handpicked) in tough unionized environment. 1 of 2 sponsored for MBA (after admitted to Wharton) from among 400+ engineers.

Mba, Finance And Strategic Management

Certification: Analytics, Data Driven Consulting

M.S., Mechanical Engr.: Computer Aided Design & Manufacturing