I'm a former fintech founder and entrepreneur with over 20 years of experience in the financial services & fintech sectors, including consumer finance, mortgage lending and credit cards. I created Refresh Financial in Canada, delivering credit building solutions to the underbanked, scaling it to serve over 125,000 customers and over 80 employees. Refresh offered credit building solutions to users across Canada, such as the Credit Builder loan, Secured Credit Card, and other ancillary product offerings to enhance the user's credit building experience. During the growth journey, we created a myriad of digital product offerings such as the Refresh app with various subscription tiers, driving incremental revenue by 7 figures annually. Refresh was recognized as a fintech leader in Canada due to its rapid growth through Strategic B2B distribution partnerships which I established, as well as building a strong D2C component. After exiting in 2021, I have since consulted for companies like Self, Quantifi and Cashco Financial, as well as others in North America and the UK on strategic planning, GTM research, digital product design, card programs, and partnership development. Outside of helping startups take their business to the next level, I love to travel, waterski, golf, cycle, and ski in the Canadian snow.
Led product strategy, roadmapping, and design of an internal business unit/challenger brand for Cashco Financial called MoneyUp, an EWA-adjacent platform offering revolving credit, tele-health and other perks. Post-launch, developed a subscription based offering in 90 days while achieving 30% paid conversion rates from free to paid tiers.
Principal Advisor & Owner
Product and strategy consultancy for various fintechs in North Amercia and the UK building strategic roadmaps, GTM planning, product development as well as revolving credit, card and subscription based products.
Founder & CEO
Refresh Financial pioneered innovative credit building and other financial products for underserved Canadians with a team of over 100 employees and contractors, amassing over 125,000 clients and $15M+ in ARR.
Bachelors in Business Administration: Finance Specialization
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