Troy Jamison

Founder of consulting agency focusing on lending, credit cards, and the payments industry. Leveraging expertise of 20+ years in the field as an operator, consultant, and investor, I help clients with growth strategies, risk management, business development, marketing, and analytics. - worked with major payment network on point-of-sale lending (buy now pay later) product development - worked with VC-backed consumer lender on growth strategies including new channels and retail partnerships - acting CEO for data start-up to fuel more precision in online targeting of credit offers via use of credit data in affiliate marketing - worked for a credit bureau to help them develop new product and sales strategies to open new markets - advisor to startup rewards platform leveraging payment networks to help retailers deliver real-time rewards to loyal customers - advisor to startup lender looking to find & structure debt facilities to enable growth

Leader of a new business segment connecting customers with financing options at key point-of-sale moments.

Overseeing risk and strategy for Bayview's entry into consumer lending segments. Identifying investment opportunities, working with modeling team to develop risk predictions and valuations, working with lending platforms to deliver loans to Bayview investment funds with significant upside and downside protection.

Focusing on the Non-Bank Financial Services sector, Troy's responsibilities as Chief Risk Officer include assessment and management of risk within Victory Park Capital's credit and equity portfolios. In addition, Troy works on sourcing, evaluating and executing investments as well as assisting portfolio companies with strategic initiatives.

Consulting to banking, payments, and lending companies with expertise in credit, marketing, and payments. - Due diligence work for investment firms on a number of consumer lending companies - Transaction risk & credit policy work for a large bank's credit card business - New customer credit policy work for a large bank's credit card business - Growth advisory work for a point-of-sale consumer lender - Acting Chief Risk Officer for a small business lender

Accountable executive for authorizations strategy, innovation, and execution in US Branded Card business. Leading the rollout of EMV chip cards to US credit card customers. Building a new transaction decisioning platform as well as customer-facing digital product features that will drive increased spend and improved security against fraud. Improving credit policy and customer experience to enable spend while managing credit risk. Responsible for enterprise relationships with payment networks (Visa, Mastercard). Executive leader for enterprise-wide Talent Selection strategy and standards for Analyst and Product Management job families.

Leading the development of underwriting strategies for our Spender segment. Finding ways to grow the business while managing credit risk on our flagship rewards cards by expanding credit for our top customers at key moments. Covering end-to-end underwriting from initial approvals and credit line assignments to existing customer line increases and authorizations. Responsible for authorizations credit program and leading initiative to rollout EMV chip cards. Also Accountable Executive for our payment network relationships (Visa and Mastercard).

Responsible for Partnership Analytics for Capital One's Retail Partnerships card business including 17 partners and over $10B in assets (cobrand and private label -- PLCC). Led the integration of HSBC's US Card Partnerships business into Capital One.

Responsible for Rewards programs across consumer Card business, Small Business and Retail Bank. Manage program design, benefits, service, redemption options, suppliers, and profitability. Driving engagement, spend, and retention for our most profitable customer segments. Also responsible for enterprise relationship management of payment networks Visa and Mastercard.

Head of Marketing Strategy for US Card business. Managed & grew our originations in all of our new customer acquisition channels inclusive of internet, direct mail, telesales, and bank branch channels. Developed & managed process for Investment Decisions to optimally allocate marketing budget across channels & segments.

Responsible for new customer acquisition card products and underwriting for our subprime and new to credit segments. Managed origination volumes, credit models, product design, pricing, valuations, and credit risk management for the business.

Responsible for new customer acquisitions in Small Business Card -- marketing strategy, targeting models, underwriting, valuations, product design, pricing, valuations, credit risk management.

Established Customer Management function for nascent Card business in Canada that helped the new business rise to profitability. Also managed Risk Operations (Collections & Recoveries), developed robust strategies to mitigate loss rates.

Worked in all areas of New Customer Acquisitions as Capital One grew our business and improved sophistication of targeting models, valuations, underwriting, and product strategy. Also worked on start-up venture in telecom space.