Steve Carlson

Steve Carlson Email and Phone Number

President @ TrueML
San Francisco, CA, US
Steve Carlson's Location
San Francisco, California, United States, United States
Steve Carlson's Contact Details

Steve Carlson work email

Steve Carlson personal email

n/a
About Steve Carlson

๐—ฉ๐—ฒ๐—ฟ๐˜€๐—ฎ๐˜๐—ถ๐—น๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ฒ๐—ด๐—ถ๐—ฐ ๐—ณ๐—ถ๐—ป๐˜๐—ฒ๐—ฐ๐—ต ๐—ฒ๐˜…๐—ฒ๐—ฐ๐˜‚๐˜๐—ถ๐˜ƒ๐—ฒ, ๐—ฎ๐—ฑ๐˜ƒ๐—ถ๐˜€๐—ผ๐—ฟ, ๐—ฎ๐—ป๐—ฑ ๐—ฏ๐—ผ๐—ฎ๐—ฟ๐—ฑ ๐—ฑ๐—ถ๐—ฟ๐—ฒ๐—ฐ๐˜๐—ผ๐—ฟ who delivers increased value by realigning and scaling companies for accelerated growth. Recognized as a mission-driven industry innovator and collaborative, high-impact leader. Successfully drove results in diverse, emerging-growth and large-scale businesses: developed a $700MM subscription-based services business; revitalized a $65MM consumer software product; launched a de novo venture-backed company; and orchestrated turnaround of a PE-backed mid-market firm. Aligns stakeholders on objectives, develops top-caliber talent, promotes inclusive, respectful, high-performance cultures, leverages data and technology - all to delight the customer and improve shareholder returns. Experienced in the fintech landscape, regulatory challenges, and market dynamics. ๐—”๐—ฅ๐—˜๐—”๐—ฆ ๐—ข๐—™ ๐—œ๐— ๐—ฃ๐—”๐—–๐—ง ๐Ÿ”น Strategic Vision and P&L Leadership๐Ÿ”น Product and Channel Innovation๐Ÿ”น Digital Transformation๐Ÿ”น Business Development and Partnership Management ๐Ÿ”น Stakeholder Communication and Engagement ๐Ÿ”น Organizational Change Management๐Ÿ”น Regulatory Navigation ๐Ÿ”น Capital Markets Strategy๐—ฆ๐—˜๐—Ÿ๐—˜๐—–๐—ง ๐—•๐—ข๐—”๐—ฅ๐——/๐—”๐——๐—ฉ๐—œ๐—ฆ๐—ข๐—ฅ๐—ฌ ๐—ฅ๐—ข๐—Ÿ๐—˜๐—ฆForwardLine Financial (PE), Ascend Consumer Finance (VC), CFPB Consumer Advisory Board (Gov't), WaMu Insurance Services (Public sub), JUMA Ventures National Board (Non-profit), Monterey Children's Museum (Non-profit)

Steve Carlson's Current Company Details
TrueML

Trueml

View
President
San Francisco, CA, US
Steve Carlson Work Experience Details
  • Trueml
    President
    Trueml
    San Francisco, Ca, Us
  • Trueml
    President
    Trueml Aug 2022 - Present
  • Industry & Regulatory Agencies | Community Organizations
    Board Service (Board Chair, Executive Board Member)
    Industry & Regulatory Agencies | Community Organizations 2005 - Present
    Currently serve, or have served on, various private entity, public subsidiary, regulatory advisory, and community service boardsJUMA Ventures (Non-profit)๐—•๐—ผ๐—ฎ๐—ฟ๐—ฑ ๐— ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ (2021โ€“Present)ForwardLine Financial (PE)๐—•๐—ผ๐—ฎ๐—ฟ๐—ฑ ๐— ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ, ๐—˜๐˜…๐—ฒ๐—ฐ๐˜‚๐˜๐—ถ๐˜ƒ๐—ฒ ๐—–๐—ต๐—ฎ๐—ถ๐—ฟ, ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—–๐—ผ๐—บ๐—บ๐—ถ๐˜๐˜๐—ฒ๐—ฒ (2018โ€“2023)Ascend Consumer Finance (VC)๐—•๐—ผ๐—ฎ๐—ฟ๐—ฑ ๐— ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ (2014โ€“2017)CFPB Consumer Advisory Board (Regulatory)๐—•๐—ผ๐—ฎ๐—ฟ๐—ฑ ๐— ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ (2012โ€“2016)WaMu Insurance Services (Public Subsidiary)๐—•๐—ผ๐—ฎ๐—ฟ๐—ฑ ๐— ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ, Chair (2008)Monterey County Youth Museum (Non-profit)๐—•๐—ผ๐—ฎ๐—ฟ๐—ฑ ๐— ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ (2005โ€“2007)
  • Flow Networks
    Advisor
    Flow Networks 2022 - Present
    San Francisco, California, Us
    Helping the team at Flow redefine the consumer payment experience in the US by turning every card transaction into a real-time engagement opportunity
  • Cota Capital
    Advisor
    Cota Capital 2021 - Present
    San Francisco, California, Us
    Cota Capital is multi-stage investment firm focused on private and public enterprise technology companies. Serve as an advisor to early-stage fintech VC fund
  • Britecap Financial
    Executive Chair
    Britecap Financial 2021 - Mar 2023
    Los Angeles, California, Us
    Formerly ForwardLine Financial. Led Board efforts and served as Credit Committee member for PE-backed small business lender providing working capital loans to U.S. companies๐Ÿ”นCompany sold to leading, privately-held equipment finance provider.
  • Britecap Financial
    Ceo | Board Member
    Britecap Financial 2017 - 2021
    Los Angeles, California, Us
    Recruited by Board to lead turn-around and digital transformation of a 15-year-old direct lending business. ๐Ÿ”น Scaled monthly new loan originations 900% and decreased acquisition costs 71% while maintaining loss rates through a combination of marketing, sales, UW, product, and technology enhancements. ๐Ÿ”น Closed $100MM senior credit facility with Credit Suisse. ๐Ÿ”น Developed and executed COVID-19 crisis management plan, including the successful divestiture of payment processing subsidiary and close of a $40MM recapitalization with current and new investors.
  • Self-Employed
    Strategic Consultant (Fintech, M&A, Digital Transformation)
    Self-Employed Apr 2021 - Jul 2022
    Provide strategy, digital transformation, and capital markets consultancy to fintech firms and PE funds.๐—ฃ๐—ฟ๐—ผ๐˜ƒ๐—ถ๐—ฑ๐—ฒ ๐—™๐—ถ๐—ป๐˜๐—ฒ๐—ฐ๐—ต ๐—ถ๐—ป๐—ฑ๐˜‚๐˜€๐˜๐—ฟ๐˜† ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ฟ๐˜๐—ถ๐˜€๐—ฒ to private equity firms as key member of deal acquisition team:๐Ÿ”น Created investment thesis, sourced executive team, and performed due diligence on a $1B open banking technology platform acquisition.๐Ÿ”น Validated business model and growth potential of a $250MM fintech advisory group acquisition.๐Ÿ”น Provided industry expertise for a $50MM digital lending data and analytics service provider acquisition. ๐—˜๐—ป๐—ด๐—ฎ๐—ด๐—ฒ๐—ฑ ๐˜„๐—ถ๐˜๐—ต ๐—ฑ๐—ฒ๐—ฏ๐˜ ๐—ฐ๐—ผ๐—ป๐˜€๐—ผ๐—น๐—ถ๐—ฑ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ณ๐—ถ๐—ฟ๐—บ to grow captive lending entity:๐Ÿ”น Increased monthly originations 400% by implementing well-defined operational and credit management tools, a re-design and digitization of the application journey and UW processes, and establishment of effective capital management capabilities.
  • Variance Development Partners
    Investor
    Variance Development Partners 2012 - 2021
    Member of investment group that purchased Veristat, a global clinical research organization (CRO). Exited via PE sale to WindRose Health Investors
  • Ascend Consumer Finance
    Co-Founder | Ceo | Board Member
    Ascend Consumer Finance 2014 - 2017
    Launched innovative VC-backed digital lender addressing needs of underserved U.S. consumers. ๐Ÿ”น Leveraged real-time data and behavioral analytics to manage credit risk on a post-acquisition basis. ๐Ÿ”น Formed corporate entity, recruited highly experienced onshore/offshore team, raised $75MM in venture and debt capital, gained multi-state regulatory approvals, and built technology and analytics platform. ๐Ÿ”น Designed, tested, launched innovative personal loan product and rapidly iterated on user experience to deliver key performance metrics.๐Ÿ”น Company sold to leading U.S. financial services firm.
  • Consumer Financial Protection Bureau
    Member, Consumer Advisory Board
    Consumer Financial Protection Bureau 2012 - 2016
    Washington, Dc, Us
    Selected to serve as an inaugural advisory board member and provide consumer finance insights to the Director and his staff
  • Level Money
    Advisor
    Level Money 2013 - 2014
    Innovated budgeting app that assisted 700K+ consumers to better manage their daily financial lives via personalized "safe to spend" functionality. Exit via sale to Capital One
  • Intuit
    Head Of Marketing And Business Development (Mint.Com And Intuit Financial Services)
    Intuit 2011 - 2013
    Mountain View, California, Us
    Led business development and marketing efforts for Mint.com and Quicken. Reversed Quicken multi-year revenue decline via customer segmentation and pricing levers. Improved Mint acquisition 43% YoY with dramatically reduced CPA. Produced award winning MintLife blog (1.5MM+ monthly uniques) and oversaw social strategy.
  • Sung Carlson Associates
    Principal And Founder
    Sung Carlson Associates 2009 - 2011
    Management consulting firm with a focus on financial services strategy, product development, and market research. Clients included leading international banks, private equity firms, affinity marketing groups, and call center service providers.
  • Washington Mutual
    Senior Vice President And Group Executive, Wamu Insurance Services And Enhancement Services
    Washington Mutual May 2008 - Jan 2009
    New York, Ny, Us
    Senior Vice President and Division Executive managing enterprise wide cross-sell marketing team. P&L responsibility for $180MM business unit. Member, board of directors, and head of WaMu Insurance Services.
  • Hsbc
    Senior Vice President, Affinity Cards And Cross-Sell
    Hsbc 2001 - 2008
    London, Gb
    P&L responsibility for $7B credit card and personal loan portfolio. Grew cross-sell business from $200MM to $700MM+ in revenues through innovative new product and channel efforts. Established global Center of Excellence
  • Mvp.Com
    Director, Business Development
    Mvp.Com 1999 - 2000
    First BD hire for venture-backed, sporting goods e-commerce platform backed by Michael Jordan, John Elway, Wayne Gretzky, Benchmark Capital, and CBS. Rapidly scaled to $30MM+ annualized revenue within 18 months of launch.
  • Csc
    Senior Consultant (Strategy & Operations)
    Csc 1997 - 1999
    Global, Us
    Managed project teams as part of CSC Index, the operational and strategy management consulting arm of CSC Corporation, a Fortune 500 technology consulting firm. Led several strategy and operations projects for CPG, telecom, and utility clients
  • Procter And Gamble
    Brand Management Intern
    Procter And Gamble 1996 - 1996
    Cincinnati, Ohio, Us
    Charged with creating a product line extension to target a new demographic for the Old Spice brand, as well as identifying profit opportunities within the existing business.
  • Toyota Motor Sales, Usa, Inc
    District Parts Manager
    Toyota Motor Sales, Usa, Inc 1991 - 1995
    Toyota City, Aichi Prefecture, Jp
    Consulted with dealership management to improve operations, profitability, and customer service. Field Traveler of the Year award earned as the regionโ€™s top-ranked District Parts Manager.

Steve Carlson Education Details

  • Northwestern University - Kellogg School Of Management
    Northwestern University - Kellogg School Of Management
    Marketing And Finance
  • University Of Illinois Urbana-Champaign
    University Of Illinois Urbana-Champaign
    Political Science
  • Naperville Central
    Naperville Central

Frequently Asked Questions about Steve Carlson

What company does Steve Carlson work for?

Steve Carlson works for Trueml

What is Steve Carlson's role at the current company?

Steve Carlson's current role is President.

What is Steve Carlson's email address?

Steve Carlson's email address is st****@****ueml.co

What schools did Steve Carlson attend?

Steve Carlson attended Northwestern University - Kellogg School Of Management, University Of Illinois Urbana-Champaign, Naperville Central.

Free Chrome Extension

Find emails, phones & company data instantly

Find verified emails from LinkedIn profiles
Get direct phone numbers & mobile contacts
Access company data & employee information
Works directly on LinkedIn - no copy/paste needed
Get Chrome Extension - Free

Aero Online

Your AI prospecting assistant

Download 750 million emails and 100 million phone numbers

Access emails and phone numbers of over 750 million business users. Instantly download verified profiles using 20+ filters, including location, job title, company, function, and industry.