Debasis Rath

SVP, Head of Consumer Lending @ BECU

About

Financial services executive with product lifecycle management experience including marketing, credit risk, and operations Experience in managing product P&L and budgets, and driving profitable product growth in Fortune 500 companies and Fintechs Established track record as leader in building product, operations and analytics teams, and launching secured and unsecured loan products with development of product strategy, marketing strategy, and operations strategy Expertise in digital and non digital customer acquisition and optimization of marketing across brand development and direct marketing strategies Highly analytical business leader with track record of business strategy development including product marketing, pricing, portfolio management, credit risk management, fraud management, customer service and product compliance Managed large cross functional teams to drive acquisition systems development, design of customer experience, and optimization of operations.

Country

United States

City

San Francisco Bay Area

Industry

Banking

Skill

Process Improvement, Risk Management, Six Sigma, Portfolio Management, Credit Risk, Analytics, Strategic Planning, Business Analysis, Pricing, Forecasting, Finance, Financial Modeling, Loans, Financial Analysis, Financial Services, Banking, Financial Risk, Consumer Lending, Corporate Finance, Credit

Experience

SVP, Head of Consumer Lending

BECU

2022-3 - Present · 4 yrs 7 mos

Managing Director, Head of Personal Loans

Union Bank

2020-7 - 2022-3 · 1 yr 9 mos

General Manager with P&L responsibility for Unsecured Personal Loans and Lines including Personal Loans, Personal Lines of Credit, and Credit Overdraft products.

Managing Director, Unsecured Lending Operations and Originations Manager

Union Bank

2017-12 - 2020-7 · 2 yrs 8 mos

Walnut Creek, CA

Responsible for product and platform development for organic personal loans product.

General Manager, New Customer Portfolio

Oportun

2016-2 - 2017-12 · 1 yr 11 mos

Redwood City, CA

Responsible for omni-channel marketing and product expansion to drive new customer growth.

Vice President, Finops Strategy

Spruce Power

2015-7 - 2016-2 · 8 mos

San Francisco, CA

Management of financial operations, external partner strategy and business reporting.

Director, Home Equity

Discover

2013-1 - 2015-7 · 2 yrs 7 mos

Riverwoods, IL

Responsible for product development and launch of Discover Home Equity Loans.

Director, Discover Personal Loans

Discover

2011-3 - 2012-12 · 1 yr 10 mos

Riverwoods, IL

General Manager for Discover Personal Loans with responsibility for P&L and Growth.

Senior Manager, Consumer Lending Analytics

Discover

2008-5 - 2011-3 · 2 yrs 11 mos

Riverwoods,IL

Responsible for product strategy and growth initiatives including marketing, operations and credit.

Vice President, Credit Risk Portfolio Management

ABN AMRO Bank N.V.

2005-8 - 2008-4 · 2 yrs 9 mos

Chicago, IL

Developed acquisition credit policy, portfolio management strategy, loss forecasting and capital management of a $15 Billion retail and small business portfolio.

Six Sigma BB

CNH

2004-12 - 2005-8 · 9 mos

Racine, WI

Optimized marketing strategy and revamped dealer incentive system to increase efficiency in marketing promotional spend and greater share of dealer financing volume.