PayPal's vision is to make sending & receiving money, selling, and shopping simple, personalized, secure and the company's mission is to revolutionize commerce globally. In my current role, I lead the financial services product team and my team and I are responsible for building the next generation of financial services products - credit card, debit card, buy now pay later, working capital and SMB loans, etc.

General manager for the company’s automotive financing team. Responsible for building the company’s financial products, creating strategic partnerships, marketing the product, overseeing operations and providing customer support. Launched v1 refinancing product, onboarded lenders, created partnerships with strategic vendors, and expanded processing capacity by leveraging ML/AI and automation.

Product Director for Robinhood's platform area. Recruited 15+ PMs and managed the company’s customer care, trust & safety, security & privacy, risk, fraud, financial crimes, and internal tooling product teams. Responsible for setting OKRs and developing product strategy, roadmap, and requirements for all feature releases and experiments. Key releases shipped included CRM migration from Zendesk to Salesforce, phone support, automated ticket resolution, help center, complaint management system, voice/email verification, ATO risk score, entity level access controls, Actimize for AML, sanction screening, trade surveillance, fraud rules authoring system, fraud ML models, liquidity dashboard and stress testing. Releases delivered increased NPS by 10 points, improved customer trust by 40 points, reduced average time to respond to CX tickets by 50+ hours, increased ticket resolution rates by 25%, decreased account takeovers and fraud levels by 90%, and mitigated material financial, cybersecurity, legal and regulatory risks.

Product management leader for SoFi's Personal Loan product line. Created the product roadmap, defined the requirements, designed the experience, and implemented functionality that enabled SoFi's members to achieve financial independence. Key releases included a mobile first overhaul of the personal loan application flow (PL 2.0), joint applicants/co-borrower, recommended loans based on desired monthly payment, automation of identity and income verification, loan stacking prevention, ML based underwriting models, personal loan refinancing, voice/phone enabled applications, decline monetization, product cross-sell/bundling, 50+ experiments, etc. Features and functionality delivered increased application starts by 40%, improved application start to fund conversion by 50% (net of credit box & pricing changes), reduced processing costs and time to fund by 60%, catapulted SoFi's personal loan NPS to ~80, and enabled a $1,000+ increase in the unit economics for personal loans.

Led product marketing for SoFi’s flagship student loan portfolio, which included student loan refinancing, parent PLUS refinancing, parent in school loans, and MBA loans. Responsible for increasing top of funnel / customer acquisition subject to CPA targets, funnel conversion and analysis, customer satisfaction/NPS, and funded loan volume. Developed market sizing (TAM/SAM), market share assessment, competitive analysis, refinancing consideration survey, and recommendations (product, underwriting, marketing, operations) to accelerate growth and expand into new verticals and markets. Created and executed 2016 marketing plan, which increased application starts by 190% Y/Y and positioned team to generate $4.4B in student loans.

Global product marketing lead for LinkedIn Marketing Solutions, a $1B+ B2B ad platform that enables marketers to reach their ideal customers on the world's largest professional network. Scope of work spanned informing product direction through VOC, VOF, market research & competitive analysis to driving adoption of our product offerings (Sponsored Content, Text Ads, Sponsored InMail, Programmatic Ads, Dynamic Ads) though customer education and field enablement.

I joined as an early member of the Skype monetization team after the company was acquired by Microsoft. My team and I were responsible for planing, implementing, and marketing Skype's desktop, mobile and tablet ad products and targeting capabilities and paid calling plans in 82 markets worldwide. Responsibilities spanned inbound product definition and requirements (product management) and outbound product marketing/GTM and communications (product marketing). Advertising offerings that my team shipped and marketed reached 300M+ consumers, drove 25B+ targeted impressions/month, generated $100M+/year in high-margin revenue at 100% CAGR and significantly improved both advertiser satisfaction (NSAT) & consumer net promoter score (NPS) without negatively impacting consumer reach or engagement.

Application Experiences (AppEx)Hired as one of the first 5 employees on the AppEx team to lead product planning, product marketing & business operations for a team that developed 6 mobile apps (News, Weather, Finance, Sports, Travel, Maps) for Windows 8 in 106 languages and 230+ markets. Conducted user research and competitive analysis that informed team's product development, programming, and marketing launch plans. Drove team's business planning and go-to-market (GTM) efforts, responsible for app branding, naming, target audience, value proposition, positioning, messaging, bill of materials (BOM), campaign development & execution, KPI reporting, and learning plan. MSNProduct management leader for MSN Search (powered by Bing), MSN Homepage, and MSN Mobile, product offerings that reached 550M+ users in 55 markets. Partnered with design, engineering and editorial teams to conceive, design, ship, A/B test and featurize search and homepage experiments. Developed product requirements and marketing collateral to revamp MSN Mobile's browse offerings and mobile apps. Initiatives shipped lifted MSN’s search queries to Bing by 40%, improved MSN's HP CTR and engagement by ~15%, and increased MSN Mobile's unique users and page views by ~60%.

Associate responsible for modeling financial transactions and performing various valuation analyses for companies in the Technology, Media, Telecom (TMT) industry: DCF, debt/equity financing, pro-forma merger, accretion/dilution, analysis at various prices, comparable company valuation.

Product management leader for two QuickBooks centers of excellence: Analysis & Decision Making and Customer Management. Shipped 4 key initiatives on time and under budget (MAPI E-Mail, Excel Import, Contact Sync, Shipping Manager), resulting in increases in QuickBooks' net promoter score and revenue. Managed Main Street team budget and launched division’s “White Space” innovation program for R&D teams in India.

Promoted 2x to lead the product management team for Yahoo! Autos, a channel within the Search & Marketplace division. Responsible for product strategy, feature prioritization, requirements documentation (PRDs) and project management of all vehicle research, buying, and selling initiatives. Partnered with design and engineering teams to create Yahoo Autos'​ primary business lines (new car research, new car leads, used car listings) and deliver new features, including reliability ratings, user ratings & reviews, expert reviews, 360 degree video tours, car comparison, car configurator, and site search. Coordinated Yahoo! Autos’ site redesign and led multiple traffic acquisition, search engine optimization (SEO) and network integration projects to drive increased referrals to Yahoo! Autos. Opportunities my team executed enabled Yahoo! Autos to grow from a non-contender to a top 2 online automotive site, win a 2nd place Webby Award (for great design/UX), increase revenue at 44% CAGR, and to expand EBITDA margins to 60%+

Managed business development team and supported VP Corporate Development with $50M+ deal flow. Structured, negotiated and signed content and distribution partnerships. Sourced investments and strategic partnerships, conducted due diligence, and participated in valuation analysis/deal structuring, and post transaction integration – transactions included acquisitions (CollegeClub.com, OCM), investments (edu.com), strategic alliances (AT&T, Excite@Home), and divestitures (RailConnection.com).

Co-Founder, CEO & Chairman of a college student portal that offered one the web's first comparison shopping engines (Books, CDs, DVD), an academic directory & search engine, and a classified listing platform for college students. Created business plan, raised $1M in equity and debt financing from angel investors and seed-stage venture capital firms. Assembled board of directors and technical advisors and recruited team of 35+ employees. Designed and executed marketing plan, which received coverage in Business Week, Forbes, Red Herring, Wired Magazine, as well as several college newspapers, publications, and radio stations. Structured and negotiated sale of company in April 2000 to Student Advantage (NASDAQ: STAD), a Boston-based student marketing company.