Deepash Patel

As Senior Vice President, I oversee the strategy, product, and marketing execution of our eCommerce business, driving platform innovation, payments advancement, and revenue generation for major partners including American Express, Visa, Mastercard, Walmart, McDonald’s, Best Buy, and Walgreens. In this enterprise leadership role, I’m responsible for full P&L ownership, new product innovation, acquiring processing, digital payment solutions, and B2C marketing initiatives that accelerate platform expansion and customer acquisition. In parallel, I lead global acquiring strategy by improving authorization rates, optimizing payment costs, and expanding acquiring partnerships across markets.

I lead both the Product and Marketing organizations, overseeing a multi-billion-dollar platform supporting major brands like American Express, Visa, Mastercard, Walmart, McDonald’s, Best Buy, Walgreens, and many more. My role combines ownership of eCommerce product development, payments innovation, product strategy, and full lifecycle product management. ✓ Leadership: Spearhead the Product and Marketing organizations, driving pivotal outcomes for a multi-billion-dollar eCommerce venture. ✓ Strategic Vision: Oversee P&L, product UI/UX, B2C marketing, and product roadmap execution, aligning efforts with aggressive growth targets to catalyze significant revenue expansion. ✓ Revenue Growth: Developed and implemented a new marketing strategy focused on emphasizing product features, resulting in a 25% increase in sales. ✓ Innovation and Optimization: Established a dedicated team to drive product and process optimization, challenging traditional workflows and accelerating innovation across the organization. ✓ Cost Reduction: Reduced expenses by $3.5M annually through newly developed product features, including platform personalization that lowered servicing costs.

✓ Directly responsible for four platforms with a large team, utilizing broad experience across engineering, design, analytics, revenue, and operations to develop and enhance Digital Banking, Debit, Prepaid, and other payment products ✓ Created a multi-year roadmap, including the expansion of APIs, three card issuing platforms, tokenization, and white labeling platforms in the SaaS model, generating a 100% completion of items each quarter for the past 10 quarters ✓ Established 48 different B2C/B2B products or significant enhancements within one year, receiving recognition as a top leader within the company with the expansion of responsibilities ✓ Implemented new Agile Methodology to reduce the release cadence, transitioning to an iterate as opposed to the scattered approach

✓ Responsible for leading Product Management and Product Development, directing a team of high-performing employees to launch multiple new sites, producing over $600M in sales ✓ Constructed a clear vision and strategic roadmap, establishing partnerships with American Express, Visa, and Walmart, transforming a failing platform with double-digit sales losses into a thriving platform, with sales of over $600M.

• Oversaw the strategy and execution of the Prepaid payment organization with $800M in sales and $2B in loads, managing the end-to-end product life cycle, developing and executing roadmaps for B2B, Tax, Retail, and Mall sales channels • Applied new processes to expand the brand, including removing the extra steps to activate cards and expediting the gifting experience • Developed 25 new strategic partnerships, driving a $60M surge in incremental sales, and a 5% increase in market penetration

• Managed a large team to standardize processes, and establish and monitor service levels, producing an improvement in product effectiveness and a reduction of operating cost, delivering over $35M in cost reduction and reducing payment transition aging from $820M to $94M • Initiated registration enhancements to address complaints and issues, reducing complaints by 98% and increasing product retention by 35%

• Led in pursuing new business in the prepaid industry for American Express in Digital and traditional payment spaces, negotiating and structuring strategic partnerships to stimulate customer acquisition and engagement • Worked quickly to sign four agreements with major US retailers, setting up numerous new deals, out-signing the next person by 3X before being recognized and promoted to a new role after only 1 year • Secured and signed deals with major companies including Target, 7-Eleven, and Family Dollar In short period signed four agreements with major US retailers and setup numerous new deals before being promoted to new role.

Directly responsible for the overall prepaid relationship with Walmart, executing merchandising projects at 40+ retailers and a total of 100K+ locations for American Express Prepaid • Developed and presented business opportunities to every major US retailer, including Walmart, Target, Home Depot, Lowe’s Best Buy, USPS, and Costco • Promoted development of competitive intelligence and industry analysis, evaluating competitive strengths and weaknesses for both tactical and strategic levels • Utilized data analysis to create and present recommendations to senior leaders and cross-functional teams, implementing advantages in a highly competitive industry

• Managed relationships with 15 national/regional US-based retailers selling American Express prepaid products. • Upsold new products, expanded incremental placement, coordinated national marketing promotions, and renegotiated agreements.

• Developed financial and metrics reporting for Customer Escalations and Call Centers globally. • Analyzed data to create cost-benefit analyses for operational efficiency. • Presented recommendations to leadership resulting in cost reduction and increased efficiency.

• Led cross-functional teams in business reengineering projects using Six Sigma methodologies. • Increased profitability, improved efficiency, and eliminated non-value-added processes. • Achieved significant cost savings and process improvements for American Express.