Lead the transformation of PayPal’s repayments servicing platform across Wallet + Credit, powering repayment journeys for PayPal, Venmo, Xoom, and Paidy at global footprint scale (200+ countries/regions) managing a portfolio of $8B in debt .

Directly lead the product organization for PayPal Repayments and Collections, setting product strategy for a cross-functional team of 1000+ across engineering, data science, design, policy, and operations.

Delivered step-change operational and customer outcomes—95% self-serve resolution, 2× faster Time to Resolution (TTR), +12 CSAT, 55% lower cost-to-serve, and ~20 bps reduction in contact rate—by shifting to agentic, digital-native workflows and scalable platform architecture. Shipped key capabilities including Agentic Voice, Agentic Chat, and platform intelligence optimized for Lifetime Value (LTV) while leading three product teams across repayments/servicing.

Led product strategy and delivery for consumer and SMB lending across 14 markets/geos, managing a $5B originations portfolio. Launched two products—EWC (a new-to-market concept designed for early-stage startups) and MTL (serving more mature businesses)—while driving platform convergence and integration to scale lending experiences and accelerate cross-market execution.

Led a UX transformation for merchant credit, expanding access and strengthening risk controls. Shipped document upload and open banking capabilities, integrated external vendors to improve risk/compliance intelligence, and reduced fraud and abuse. Delivered +9% conversion, expanded merchant credit TAM by ~8M merchants, and reduced fraud loss rate by 4 bps. Built distribution via 3 marketplace partnerships, driving $200M in originations with 95% onboarding success.

Led product data science initiatives that shaped PayPal’s highest-stakes SMB and consumer credit decisions during major ecosystem shifts. Played a key role in PayPal’s PPP (Paycheck Protection Program) efforts and spearheaded COVID credit response programs for SMBs and consumers—using data to identify impacted segments and tailor interventions. Also drove analytics for the eBay–PayPal separation, focusing on actions that improved merchant retention. Built merchant churn prediction models and segmentation algorithms to identify COVID-impacted cohorts and assess financial need, contributing to a +5% lift in merchant retention.

Led a team of five and owned product data science for global PayPal Working Capital and international PayPal Business Loan. Established cross-functional data operating rhythms, enabled data-driven prioritization, and defined shared credit performance metrics across products and geographies.