Vineet Gupta

Vineet Gupta Email and Phone Number

Financial Services Executive | Digital Banking & Payments GM | Fintech Product Leader | P&L Owner @ LendingClub
Vineet Gupta's Location
Greater Seattle Area, United States, United States
Vineet Gupta's Contact Details

Vineet Gupta personal email

n/a
About Vineet Gupta

Dynamic FinTech & Payments executive with a proven track record of driving transformational change and building innovative businesses within Fortune 100 companies. Specializing in launching startup ventures and generating growth across Consumer & Small Business segments in FinTech and Banking industries.Key Strengths:✦ Strategic Leadership: Successfully led 500+ colleagues in building and launching Business Banking at AMEX, integrating 30 enterprise teams and 15 external partners. Created a new banking organization of 200+ cross-functional colleagues.✦ Business Performance: Managed $1B revenue P&Ls with annual spend budgets of ~$100M. Spearheaded strategic initiatives resulting in $100M+ in cost savings.✦ Innovation & Problem-Solving: Adept at creating structure in unstructured environments, delivering complex, innovative solutions from concept to execution.✦ Broad Expertise: Proven success in establishing and running product, marketing, business analytics, and operations organizations. Deep understanding of credit, fraud, legal, compliance, and regulatory risk management.Passionate about technology and human-centered design, with a talent for engaging cross-functionally at C-suite and performer levels. Committed to building high-performing teams and turning strategic visions into measurable success within highly regulated environments.Interests & Activities: ✦ Traveling: Traveled extensively through Americas, Asia, Europe & Australia.✦ Adventure sports: Bungee jumping, skydiving, scuba diving, hang-gliding, whitewater rafting, rock-climbing, etc.✦ Home automation and technology early adoption.Areas of Expertise: Product Management | P&L Management | Cross-functional Team Leadership | Innovation Delivery | Business Strategy & Analytics | Product Strategy & Policy | Marketing Strategy | Credit and Fraud Risk Strategy | Operations | Customer Experience | Consumer Banking | Business Banking | Digital Banking | Debit Card and Mobile Payments.

Vineet Gupta's Current Company Details
LendingClub

Lendingclub

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Financial Services Executive | Digital Banking & Payments GM | Fintech Product Leader | P&L Owner
Vineet Gupta Work Experience Details
  • Lendingclub
    Svp | Head Of Digital Transformation (Superapp Strategy & Delivery)
    Lendingclub 2022 - Present
    San Francisco, California, Us
    Partnered directly with C-suite executives (CEO, CTO & Chief Consumer Banking Officer) in a specially created role to spearhead LendingClub's evolution from a monoline personal loans provider to a leading member centric, multi-product digital bank.Orchestrated the transformation of a single-product banking app into a comprehensive SuperApp foundation, featuring multi-product mobile and desktop platforms designed to engage 4 million members and to reduce customer acquisition costs by over 20% within five years.
  • American Express
    General Manager | Head Of Business Banking | Global Commercial Services
    American Express 2020 - 2022
    New York, Ny, Us
    Full P&L accountability for a startup Banking business targeting small and mid-size (SME) businesses, spearheading American Express's expansion "Beyond the Card". Led the launch and growth of this new line of business, centered around a Business Checking Account (BCA) and featuring the first proprietary US Business Debit Card powered by the American Express network.Built a customer-first banking platform from the ground up with the sophistication needed to serve SME businesses. Established a new cross-functional banking organization and banking operations with end-to-end processes, policies, and controls designed to ensure compliance with multiple regulators (FRB, OCC, CFPB, FDIC). This comprehensive approach created a solid foundation for American Express's entry into the SME banking sector.
  • T-Mobile
    Head Of Product & Operations | Financial Services
    T-Mobile 2016 - 2020
    Bellevue, Wa, Us
    P&L responsibility for the Financial Services Line of Business at T-Mobile, overseeing strategy, product, design, technology, operations, and risk management. This role encompassed end-to-end ownership of the business unit, driving innovation and growth in a new sector for the company.Spearheaded the launch of T-Mobile MONEY, a national digital bank that marked T-Mobile's strategic entry into Financial Services. Led the development of the product vision and strategy, orchestrating its design and end-to-end build & delivery in collaboration with the Banking Partner. This initiative positioned T-Mobile as a disruptive force in the digital banking landscape.
  • Capital One
    Head Of Mobile Payments | Consumer Banking
    Capital One 2014 - 2016
    Mclean, Va, Us
    Led payments strategy, product innovation, and analytics for Capital One Bank, building and directing cross-functional teams for comprehensive product delivery. This role demanded strategic vision, technical expertise, and the ability to navigate complex financial ecosystems.Launched Apple Pay for Capital One Bank, positioning it as one of five banks to globally launch the product in October 2014, completing the project from concept to delivery in just 9 months. Orchestrated its integration into the newly launched Capital One Wallet mobile app. Additionally, delivered the first Host Card Emulation (HCE) mobile payments offering for Android customers in the US, driving double-digit month-over-month growth. Developed Capital One's peer-to-peer (P2P) payments strategy and successfully launched Zelle P2P.
  • Capital One
    Director | Deposits Product | Consumer Banking
    Capital One 2011 - 2014
    Mclean, Va, Us
    P&L owner responsible for $150M revenue and $80M annual spend, with leadership roles spanning Consumer Deposits Products, Fee Pricing, and Policy. This multifaceted position required strategic thinking and decisive action in response to industry changes and technological advancements.Developed and executed key strategic initiatives including the response to Durbin legislation and the EMV (Chip-and-PIN) adoption strategy for debit cards. Launched Capital One Mobile Check Deposits, enhancing customer convenience. Led RFPs and negotiations for critical contracts, securing industry-leading terms with major players such as MasterCard & Visa (Card networks), Vantiv & FIS (Debit Card Issuer Processors), and Harland Clark (Checkbook provider), demonstrating strong vendor management and negotiation skills.
  • Capital One
    Senior Business Manager | Customer Management | Consumer Banking
    Capital One 2008 - 2011
    Mclean, Va, Us
    Hand-picked for the team charged with implementing Capital One's Information-Based Strategy across acquired retail banks. This role required strategic thinking and innovative approaches to leverage data for business growth and customer engagement across multiple banking products.Pioneered the development of the first multi-product (deposits, lending, and investments), omni-channel direct marketing engine, managing an annual marketing spend exceeding $10M. Engineered an intelligent Offer Management System that significantly enhanced marketing effectiveness, increasing customer reach by 25% and boosting response rates by 35%. This innovative approach set new standards for targeted marketing in the banking sector.
  • Capital One
    Business Manager | Collections Strategy & Analysis | Us Card
    Capital One 2007 - 2008
    Mclean, Va, Us
    Accountable for Capital One's late-stage Collections strategy, overseeing an operation that collected $250M annually. Developed and implemented Capital One’s strategic response 2008 financial crisis.Implemented new tools and an escalated call queue strategy that generated $30M in incremental annual net income. Simultaneously, led a network transformation initiative that achieved a 50% reduction in call center operations budget, demonstrating a strong ability to optimize performance while reducing costs in a high-stakes financial environment.
  • Capital One
    Senior Business Analyst | Collections Strategy & Analysis | Us Card
    Capital One 2005 - 2007
    Mclean, Va, Us
    Led foundational testing and strategic analysis for US Card Collections at Capital One, driving data-driven decision-making and strategy optimization. This role required a deep understanding of complex financial systems and advanced analytical methodologies.Executed the industry's most sophisticated Design of Experiments, encompassing over 5,000 treatment combinations. The insights derived from this extensive testing laid the groundwork for significant improvements in collections performance and operational efficiency.
  • Capital One
    Business Analyst | Internet Marketing | Us Card
    Capital One 2003 - 2005
    Mclean, Va, Us
    Responsible for marketing innovations to maximize revenue from Capital One's high-traffic homepage, which attracted over 25 million monthly visitors. This role required a strategic approach to digital marketing and a deep understanding of user behavior and conversion optimization.Led the initiative to reestablish search marketing as a key acquisition channel. This effort involved implementing cutting-edge SEO and SEM techniques, optimizing landing pages, and leveraging data analytics to continually refine the approach.
  • Ibm
    Senior Software Engineer
    Ibm 2000 - 2001
    Armonk, New York, Ny, Us
    Managed support for mission-critical AT&T systems through frequent client consultations within a 10-year, $10B outsourcing project.
  • Imr Global (Acquired By Cgi)
    Software Engineer
    Imr Global (Acquired By Cgi) 1998 - 2000
    Montreal, Quebec, Ca
    Various roles spanning developer, quality controller and release leader, to manage development and maintenance of key applications for Michelin Tire Corporation and Goodyear Tire & Rubber Company.
  • Indian Institute Of Science (Iisc)
    Trainee
    Indian Institute Of Science (Iisc) 1997 - 1998
    Bangalore, Karnataka, In
    Bachelor of Engineering thesis at the Super Computer Education and Research Center on "Image Processing – Pattern Recognition of Partial Discharge Images” by incorporating Neural Networks.

Vineet Gupta Skills

Analytics Business Analysis Strategy Financial Modeling Management Risk Management Financial Services Cross Functional Team Leadership Leadership Segmentation Analysis Banking Business Strategy Marketing Strategy Payments Credit Cards Change Management Product Management Innovation P&l Management Debit Cards Mobile Payments Consumer Banking

Vineet Gupta Education Details

  • Emory University - Goizueta Business School
    Emory University - Goizueta Business School
    Master Of Business Administration (M.B.A.)
  • B. M. S. College Of Engineering
    B. M. S. College Of Engineering
    Electrical & Electronics Engineering

Frequently Asked Questions about Vineet Gupta

What company does Vineet Gupta work for?

Vineet Gupta works for Lendingclub

What is Vineet Gupta's role at the current company?

Vineet Gupta's current role is Financial Services Executive | Digital Banking & Payments GM | Fintech Product Leader | P&L Owner.

What is Vineet Gupta's email address?

Vineet Gupta's email address is vi****@****one.com

What schools did Vineet Gupta attend?

Vineet Gupta attended Emory University - Goizueta Business School, B. M. S. College Of Engineering.

What are some of Vineet Gupta's interests?

Vineet Gupta has interest in Poverty Alleviation, Children, Education, Disaster And Humanitarian Relief.

What skills is Vineet Gupta known for?

Vineet Gupta has skills like Analytics, Business Analysis, Strategy, Financial Modeling, Management, Risk Management, Financial Services, Cross Functional Team Leadership, Leadership, Segmentation, Analysis, Banking.

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