Austin, Texas Metropolitan Area
Fintech and payments platforms scale when product strategy and operational execution move as one. That alignment is where I've spent 25+ years. At PayPal, I led the debit card business through 136% portfolio growth and $500M+ in annual revenue impact. Before that, nearly a decade at Fiserv managing card services and lending solutions across 100+ financial institutions. Today as COO/CPO of Kasheesh, I run a cross-functional org across product, engineering, compliance, and operations with full P&L accountability. My focus is the full stack of payments leadership: roadmap, monetization, bank sponsor relationships, and the operational model underneath it all. My expertise spans digital payments, debit and credit card products, Mastercard issuing, subscription monetization, fraud infrastructure, and regulatory execution. Increasingly, I'm focused on how AI and machine learning are reshaping both customer-facing product innovation and operational efficiency across the payments stack. I build the platforms and teams that scale with confidence.
Joined as the first dedicated product and operations leader at Kasheesh, a regulated fintech payments platform enabling consumers to split transactions across up to five existing cards via Mastercard-issued digital cards. Transformed a fragmented organization into a cohesive, execution-focused team with a clear roadmap and accelerating delivery velocity. Own end-to-end product and operational strategy, aligning product, engineering, compliance, and GTM under a unified execution model with committed delivery milestones. Defined and drove monetization strategy grounded in unit economics and user behavior, launching a subscription model that increases spend limits, reduces fees, and unlocks premium features. Architected a four-phase 2026 product roadmap spanning native app parity, credit building tools, post-transaction flexibility, and expanded financial services. Directed risk and fraud infrastructure buildout in partnership with Sardine, Plaid, and Stripe, implementing transaction monitoring and onboarding controls aligned to bank partner expectations. Built the operational foundation across requirements standardization, design-to-engineering handoffs, UAT coordination, and performance tracking to enable higher-velocity delivery. Led bank sponsor strategy as executive point of contact, navigating regulatory approval workflows and establishing a compliance operating model aligned to Reg E, AML, and CMS requirements.
Led commercial and product strategy for PayPal's debit card business across consumer and business segments, with P&L and executive accountability for one of the company's highest-growth portfolios. Drove 136% portfolio growth, 82% MAU expansion, and 4.7M+ new customers through digital card provisioning, omnichannel acquisition, and high-value segment targeting. Delivered $500M+ in annual revenue impact and a 58% YoY lift in consumer debit acquisitions by reducing onboarding friction at the critical conversion point. Led key product releases including secondary cardholder expansion, enhanced cash-back rewards, real-time balance notifications, and two-way SMS authentication with each tied to measurable revenue and engagement outcomes. Reduced NSF declines by 12% and merchant fraud losses by 18% through real-time controls and dynamic card lock.
Owned product strategy and execution for an enterprise-wide SAP billing platform supporting eBay GivingWorks, StubHub, eBay Motors, and eBay Classified Group, managing the full product lifecycle across a complex, multi-property organization. Engaged C-suite stakeholders to align investment priorities and drive adoption, navigating change management across global business units with competing priorities and timelines.
Managed a portfolio of 100+ regional banks and credit unions across Fiserv's card services and lending solutions, driving revenue growth through client relationship management and solution delivery over a 9-year tenure. Directed large-scale conversion of a $60B private label credit card portfolio, ensuring seamless integration and regulatory compliance. Spearheaded development and launch of easyLENDER Intelligent Document Management (iDM), delivering a new product capability that enhanced lending operations across client institutions.
Led cross-functional software development and implementation teams in a global matrix environment, delivering quality solutions on time across diverse geographies and client requirements. Defined and documented functional requirements in partnership with clients and stakeholders, supporting delivery across system applications and business units.