Track record
Four businesses, built from zero to revenue.
Each in the same shape: the situation, what I did, what came out of it. Company names are left off on purpose; the numbers are the ones I put my name to, and I'll walk through any of them in person.
Embedded payments
Launching an embedded payments business inside a top-20 bank
Situation
The bank wanted an embedded payments and merchant services business that sold through software vendors rather than branches. There was no product, no partner model, and no risk framework for the relationship types that come with it.
What I did
- Built an integrated-referral model for going to market with ISVs, starting in healthcare, and owned P&L, sales, marketing and operations for the new business.
- Joined the early sales calls and helped close the first deals, then handed the playbook to the team.
- Wrote the risk and compliance strategy for every merchant relationship model the bank would touch: referral, retail ISO, wholesale ISO, ISV, PayFac rent and PayFac own.
Result
$10M in income in the first nine months and 22,100 businesses served in year one, at $9K of lifetime value per merchant against $452 to acquire one.
PayFac-as-a-Service
Standing up the industry's first PayFac-as-a-Service
Situation
A fintech wanted to let software companies become payment facilitators without the multi-year build, a category that didn't have a name yet. I was brought in as the senior product executive, reporting to the CEO, to build the acquiring business from zero.
What I did
- Architected the plan that defined the category and owned product management, product operations, UX, reporting and customer care.
- Negotiated backend approval of specific MCCs within five minutes, which became a rapid merchant approval workflow and the foundation for two enterprise deals.
- Led entry into Canada and set the plan for EU expansion, making the build, buy or partner call on each new offering.
Result
From zero to 500 merchants within three months of go-live and 102 partners in the first four months.
Agentic operating model
Running a lending fintech on AI agents
Situation
A fintech providing technology, payments and operations for consumer lenders was growing fast on an on-premise stack, with 90-day lead times and a team of forty that needed to become a hundred without the cost base following.
What I did
- Moved the stack from on-premise to cloud-native microservices and the organization to multiple releases a day.
- Built the agentic operating model: agents in every stage of delivery, human decisions that no agent can make, failing tests first, and auditors on a different model from the engineer.
- Put ROI gates in front of every initiative before funding, with an expedite path for the fast-moving ones.
Result
Assets under management tripled from $50M to $150M, revenue doubled and customers served per month tripled, with unit margin held between 45% and 50%. Lead time fell from 90 days to five for 85% of the work.
Product delivery
A wholesale vehicle marketplace, concept to cash in five months
Situation
A large automotive marketplace had an idea for a mobile product that would let dealers sell wholesale vehicles from their own lot instead of trucking them to auction. The industry's biggest trade show was ten weeks away.
What I did
- Shipped a working prototype with a mocked backend for the show in eight weeks, gathered feedback, then brought 22 teams together to deliver the real application by mid-May.
- Gave operations, sales, customer care and the auctions daily builds so they were trained before launch; went to market ten days early.
- Read the usage analytics: listing a vehicle took 8 to 12 minutes. That became a concierge service and a large revenue line of its own.
Result
More than 4,000 users within two months of launch and $1B transacted in the first nine months. Across the wider organization, 43 product and engineering teams moved to value-based delivery and lead time for large new products fell from 18 months to under three.
Also
- Reset a lender's product portfolio around build, buy or partner decisions: $25M in incremental funded loans in the first two months, and a follow-on loan pilot producing $2M a month.
- Led the modernization of a global processor serving more than a million merchant locations in 30+ countries, including the API-first approach for integrating PayFacs, ISOs and sponsor banks.
- Built the product and PMO functions from the ground up at a start-up during its growth to mid-size, and the product and IT strategy presented to its board.
Building something like one of these?
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