Steve Carlson work email
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Steve Carlson personal email
๐ฉ๐ฒ๐ฟ๐๐ฎ๐๐ถ๐น๐ฒ ๐ฎ๐ป๐ฑ ๐๐๐ฟ๐ฎ๐๐ฒ๐ด๐ถ๐ฐ ๐ณ๐ถ๐ป๐๐ฒ๐ฐ๐ต ๐ฒ๐ ๐ฒ๐ฐ๐๐๐ถ๐๐ฒ, ๐ฎ๐ฑ๐๐ถ๐๐ผ๐ฟ, ๐ฎ๐ป๐ฑ ๐ฏ๐ผ๐ฎ๐ฟ๐ฑ ๐ฑ๐ถ๐ฟ๐ฒ๐ฐ๐๐ผ๐ฟ 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. ๐๐ฅ๐๐๐ฆ ๐ข๐ ๐๐ ๐ฃ๐๐๐ง ๐น Strategic Vision and P&L Leadership๐น Product and Channel Innovation๐น Digital Transformation๐น Business Development and Partnership Management ๐น Stakeholder Communication and Engagement ๐น Organizational Change Management๐น Regulatory Navigation ๐น Capital Markets Strategy๐ฆ๐๐๐๐๐ง ๐๐ข๐๐ฅ๐/๐๐๐ฉ๐๐ฆ๐ข๐ฅ๐ฌ ๐ฅ๐ข๐๐๐ฆForwardLine 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)
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PresidentTruemlSan Francisco, Ca, Us -
PresidentTrueml Aug 2022 - Present -
Board Service (Board Chair, Executive Board Member)Industry & Regulatory Agencies | Community Organizations 2005 - PresentCurrently serve, or have served on, various private entity, public subsidiary, regulatory advisory, and community service boardsJUMA Ventures (Non-profit)๐๐ผ๐ฎ๐ฟ๐ฑ ๐ ๐ฒ๐บ๐ฏ๐ฒ๐ฟ (2021โPresent)ForwardLine Financial (PE)๐๐ผ๐ฎ๐ฟ๐ฑ ๐ ๐ฒ๐บ๐ฏ๐ฒ๐ฟ, ๐๐ ๐ฒ๐ฐ๐๐๐ถ๐๐ฒ ๐๐ต๐ฎ๐ถ๐ฟ, ๐๐ฟ๐ฒ๐ฑ๐ถ๐ ๐๐ผ๐บ๐บ๐ถ๐๐๐ฒ๐ฒ (2018โ2023)Ascend Consumer Finance (VC)๐๐ผ๐ฎ๐ฟ๐ฑ ๐ ๐ฒ๐บ๐ฏ๐ฒ๐ฟ (2014โ2017)CFPB Consumer Advisory Board (Regulatory)๐๐ผ๐ฎ๐ฟ๐ฑ ๐ ๐ฒ๐บ๐ฏ๐ฒ๐ฟ (2012โ2016)WaMu Insurance Services (Public Subsidiary)๐๐ผ๐ฎ๐ฟ๐ฑ ๐ ๐ฒ๐บ๐ฏ๐ฒ๐ฟ, Chair (2008)Monterey County Youth Museum (Non-profit)๐๐ผ๐ฎ๐ฟ๐ฑ ๐ ๐ฒ๐บ๐ฏ๐ฒ๐ฟ (2005โ2007)
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AdvisorFlow Networks 2022 - PresentSan Francisco, California, UsHelping the team at Flow redefine the consumer payment experience in the US by turning every card transaction into a real-time engagement opportunity -
AdvisorCota Capital 2021 - PresentSan Francisco, California, UsCota Capital is multi-stage investment firm focused on private and public enterprise technology companies. Serve as an advisor to early-stage fintech VC fund -
Executive ChairBritecap Financial 2021 - Mar 2023Los Angeles, California, UsFormerly ForwardLine Financial. Led Board efforts and served as Credit Committee member for PE-backed small business lender providing working capital loans to U.S. companies๐นCompany sold to leading, privately-held equipment finance provider. -
Ceo | Board MemberBritecap Financial 2017 - 2021Los Angeles, California, UsRecruited by Board to lead turn-around and digital transformation of a 15-year-old direct lending business. ๐น 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. ๐น Closed $100MM senior credit facility with Credit Suisse. ๐น 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. -
Strategic Consultant (Fintech, M&A, Digital Transformation)Self-Employed Apr 2021 - Jul 2022Provide strategy, digital transformation, and capital markets consultancy to fintech firms and PE funds.๐ฃ๐ฟ๐ผ๐๐ถ๐ฑ๐ฒ ๐๐ถ๐ป๐๐ฒ๐ฐ๐ต ๐ถ๐ป๐ฑ๐๐๐๐ฟ๐ ๐ฒ๐ ๐ฝ๐ฒ๐ฟ๐๐ถ๐๐ฒ to private equity firms as key member of deal acquisition team:๐น Created investment thesis, sourced executive team, and performed due diligence on a $1B open banking technology platform acquisition.๐น Validated business model and growth potential of a $250MM fintech advisory group acquisition.๐น Provided industry expertise for a $50MM digital lending data and analytics service provider acquisition. ๐๐ป๐ด๐ฎ๐ด๐ฒ๐ฑ ๐๐ถ๐๐ต ๐ฑ๐ฒ๐ฏ๐ ๐ฐ๐ผ๐ป๐๐ผ๐น๐ถ๐ฑ๐ฎ๐๐ถ๐ผ๐ป ๐ณ๐ถ๐ฟ๐บ to grow captive lending entity:๐น 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.
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InvestorVariance Development Partners 2012 - 2021Member of investment group that purchased Veristat, a global clinical research organization (CRO). Exited via PE sale to WindRose Health Investors -
Co-Founder | Ceo | Board MemberAscend Consumer Finance 2014 - 2017Launched innovative VC-backed digital lender addressing needs of underserved U.S. consumers. ๐น Leveraged real-time data and behavioral analytics to manage credit risk on a post-acquisition basis. ๐น 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. ๐น Designed, tested, launched innovative personal loan product and rapidly iterated on user experience to deliver key performance metrics.๐น Company sold to leading U.S. financial services firm. -
Member, Consumer Advisory BoardConsumer Financial Protection Bureau 2012 - 2016Washington, Dc, UsSelected to serve as an inaugural advisory board member and provide consumer finance insights to the Director and his staff -
AdvisorLevel Money 2013 - 2014Innovated 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 -
Head Of Marketing And Business Development (Mint.Com And Intuit Financial Services)Intuit 2011 - 2013Mountain View, California, UsLed 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. -
Principal And FounderSung Carlson Associates 2009 - 2011Management 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. -
Senior Vice President And Group Executive, Wamu Insurance Services And Enhancement ServicesWashington Mutual May 2008 - Jan 2009New York, Ny, UsSenior 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. -
Senior Vice President, Affinity Cards And Cross-SellHsbc 2001 - 2008London, GbP&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 -
Director, Business DevelopmentMvp.Com 1999 - 2000First 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. -
Senior Consultant (Strategy & Operations)Csc 1997 - 1999Global, UsManaged 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 -
Brand Management InternProcter And Gamble 1996 - 1996Cincinnati, Ohio, UsCharged 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. -
District Parts ManagerToyota Motor Sales, Usa, Inc 1991 - 1995Toyota City, Aichi Prefecture, JpConsulted with dealership management to improve operations, profitability, and customer service. Field Traveler of the Year award earned as the regionโs top-ranked District Parts Manager.
Steve Carlson Education Details
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Northwestern University - Kellogg School Of ManagementMarketing And Finance -
University Of Illinois Urbana-ChampaignPolitical Science -
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.
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