Building financial services for Shopify merchants.

Leading a team of Rockstar Product Managers enabling next generation capabilities to empower PayPal Global Merchant Lending Platform & SMBs. Responsible for spinning off sustainable platform capabilities while balancing the immediate & long term business goals & customer experience.

Led backend product development for PayPal Working Capital :

• Stood up the ability to repay loans leveraging ACH rails

• Enabled PayPal Direct Deposit Feature for PayPal Working Capital Customers

• Developed the ability to plug in Public Market Place data into Merchant Lending Underwriting

• Developed Payment Deferral & Disaster Relief capabilities

• Influenced customer preference through qualitative and quantitative market research to optimize product features and ensure experience through experience optimization (lab & in market quant testing)

Led a team of Rockstar Risk Analysts, Responsible for Debit Card Transaction Risk Management & Post Transaction Dispute Optimizations policy

Launched PayPal Cash Card for underserved consumers

Reduced net credit and fraud loss by over 50% on consumer debit card portfolio with enhanced strategy framework, while continuing to optimize the txn false positive decline rates at record levels.

Optimized ACH credit risk rules on PayPal debit card transactions when balance is unavailable.

Led the eBay & PayPal Txn Dispute Management Partnership

Reduced eBay Txn Dispute Seller Risk losses by 28% by leveraging innovative technical process improvements & modelling strategies in the Seller Risk & Recoupment space