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Paul Miller
Verified Expert in Management Consulting
Management Consulting Expert
New York, NY, United States
Toptal member since August 10, 2022
Bio
Paul led products you've likely used, from point-of-sale cashback during his time at Visa Inc. to core services on the American Express card, where he served as product director, developer, and manager. With 25+ years of experience spanning omnichannel marketing, product management, operations, and analytics, Paul brings a strong IT mindset to his work. Drawing on this blend of expertise, he collaborates with thought-provoking clients to launch, grow, and revitalize their businesses and profits.
Career Highlights
Principal
Catskill Vista and Associates
STEM Teacher and Education/Edtech Consultant
NYC Department of Education, Catskill Vista
Vice President, Marketing and Development
JPMorgan Chase
Education Highlights
Master's Degree
Relay Graduate School of Education (GSE)
Master of Business Administration (MBA)
University of Chicago Booth School of Business
Master's Degree
Northwestern University
Case Studies
Conference Speaking on Various Marketing and Product Issues
Software DesignOmnichannel MarketingDatabase MarketingCompetitive StrategyAdvertisingCustomer Service+ 90 more
Expertise
- Budget Management
- IT Support
- New Products
- Portfolio Management
- Project Management
- Software Design
- Stakeholder Management
- Strategy
Work Experience
Principal
2007 - PRESENT
Catskill Vista and Associates
- Consulted on optimizing processes for maximum profit, improving market assessment, digital transition, lifetime value, acquisition, retention, go-to-market strategy, CRM, and product extensions.
- Built an affiliate channel at Boro.com, an online lender offering luxury asset-backed loans on jewelry and art to subprime, mid-sized firms, expanding reach to businesses denied traditional bank financing.
- Managed projects across internal and external teams using Microsoft Project, Notion, and Monday.com to ensure transparency, secured C-level buy-in on milestones, and led executive reporting.
- Served as program manager for Value Line and other clients, driving strategic alignment across credit, IT, and external stakeholders. Delivered complex initiatives through clear processes, effective communication, and building trusting relationships.
- Redesigned the K–12 ranking data architecture at US News, unlocking $10 million in new ad revenue by enabling precise, segment-based targeting of prospective parents.
- Architected a global subscription terms database for Economist Magazine to diagnose renewal declines during the shift from paper to digital, reversing the trend to deliver a 6% lift and creating a model for optimizing acquisition and renewal terms.
- Boosted repeat sales by 11% in key segments at Abbott Labs through user data analysis and CRM communications, while increasing engagement with education-focused newsletters.
- Revised product, marketing, and revenue models for 11 eCommerce startups, optimizing MVP, lifetime value, go-to-market approach, and overall growth strategies.
Focus areas: Advertising, Sales, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Teaching, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Telecom Equipment & Solutions, Consumer Health, Customer Lifetime Value (CLV), Loyalty Programs, New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Public Speaking, Consulting, Change Management, B2B Partnerships, B2B2C, Business to Business to Consumer (B2B2C), Global Business, Paid Advertising, IT, SaaS, P&L Responsibility, Budgeting, Long-range Plans, Long-term Care, Vendor Selection, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Account Management, Modeling, Competitive Analysis, Organizational Design, Digital Banking, Consumer Banking, B2C, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Focus Groups, Excel 365, Team Leadership, Organization, Go-to-market (GTM) Strategy, Fintech, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Growth Marketing, B2B Lead Generation, B2B Sales, Data Analysis, Inbound Sales, Sales Coaching, SaaS Sales, HubSpot, Business Development, Marketing Collateral Development, Data Scraping, Web Scraping, Financial Planning & Analysis (FP&A), Portfolio Management, Project Management, Stakeholder Management, Budget Management, IT Support, Product Management, Program Management, Sass, Sales Consulting
STEM Teacher and Education/Edtech Consultant
2016 - 2025
NYC Department of Education, Catskill Vista
- Selected as a New York City Teaching Fellow and raised the state test pass rate from 10% to 37% in a Title 1 school. Taught hybrid, ELL, ICT, and special education classes using NYS Common Core and NGSS standards, and used online classroom tools.
- Built an online course for a SaaS platform that manages scholarship and grant processes, improving user training and boosting adoption among higher-ed administrators.
- Designed and taught 14 fee-based courses for Outschool and Varsity Tutors in executive function, magic, and science, maintaining strong enrollment by creating classes that kept students and parents consistently engaged.
- Mentored edtech startups on market fit, educational value, business models, and go-to-market strategy.
Focus areas: Microsoft PowerPoint, Microsoft Word, Teaching, STEM, Science, Product Development, New Products, Coordination, Change Leadership, Web Content, Public Speaking, Training & Training Content Development, Curriculum Development, K-12 Education, Collaboration, Leadership, Excel 365, Business Development, Marketing Collateral Development, Web Scraping, Project Management, Stakeholder Management, Budget Management, IT Support, Learning Management Systems (LMS)
Vice President, Marketing and Development
2001 - 2007
JPMorgan Chase
- Spearheaded the chair's initiative to grow profits at a $13.5 billion retail bank, led a 54-person cross-functional team, and directed product development for a $99 billion card division, generating $6 billion in revenue from 26 million cards.
- Developed innovative installment and variable-rate credit card products, increasing line utilization 1.12x in key segments through improved credit models and customer segmentation.
- Drove the turnaround of a struggling retail bank by implementing a unified customer database, advanced analytics, and cross-marketing. Grew auto loans 8% and generated $169 million in new deposits in five months.
- Grew online payments product profit 48% to $121 million through optimized marketing, awareness campaigns, and retraining customer service representatives, reducing payment delinquency.
- Guided go-to-market strategy for B2B treasury products, developed thought leadership content and collateral, and advised on product development.
- Sponsored and advised three Six Sigma teams to optimize acquisition, CRM, and customer lifetime value. Led data-driven process improvements, set KPIs, and fostered collaboration to drive measurable operational efficiency integrated into the business.
- Oversaw content for Chase.com consumer lending products, enhancing clarity and sales by refining messaging and improving customer understanding of needs and value.
- Led program management for bank profitability, web content, and new card products. Coordinated cross-functional teams across marketing, credit, operations, IT, finance, customer service, and product, reporting regularly to C-level executives.
Focus areas: Credit Risk, Database Marketing, Competitive Strategy, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Teaching, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Customer Lifetime Value (CLV), Loyalty Programs, New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Six Sigma, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Global Operations, Global Strategy, Conference & Event Production, Public Speaking, Consulting, B2B2C, Business to Business to Consumer (B2B2C), Global Business, IT, P&L Responsibility, Budgeting, Long-range Plans, Vendor Selection, Vendor Management, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Modeling, Competitive Analysis, Organizational Design, Digital Banking, Consumer Banking, B2C, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Loans, Secured Loans, Term Loans, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market (GTM) Strategy, Fintech, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Credit/Debt, Credit Cards, Credit Card Processing, Prepaid Debit Cards, Business Services, Growth Marketing, B2B Lead Generation, Data Analysis, Inbound Sales, Sales Coaching, SaaS Sales, Business Development, Marketing Collateral Development, Web Scraping, Financial Planning & Analysis (FP&A), Portfolio Management, Project Management, Stakeholder Management, Budget Management, IT Support, Product Management, Program Management, Sass, Sales Consulting
VP of Marketing and Product Development
2000 - 2000
Sharemax.com
- Directed marketing at a startup disrupting logistics and supply chains by sourcing and shipping supplies worldwide. The venture was defunded during the dot-com bubble.
- Negotiated and signed over 400 global supplier agreements in nine months, established terms, scaled a 27-person team to redefine profit models, and closed two clients to test and refine the minimum viable product for market fit.
- Hired and trained a 27-person marketing, negotiation, and analytics team at a startup pace.
- Closed a beta client to assess and validate the minimum viable product.
Focus areas: Sales, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Teaching, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Customer Lifetime Value (CLV), New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Six Sigma, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Global Strategy, Global Operations, Conference & Event Production, Public Speaking, Consulting, Business to Government (B2G), Change Management, B2B Partnerships, B2B2C, Business to Business to Consumer (B2B2C), Global Business, IT, P&L Responsibility, Budgeting, Long-range Plans, Vendor Selection, Vendor Management, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Modeling, Competitive Analysis, Organizational Design, Consumer Banking, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market (GTM) Strategy, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Growth Marketing, B2B Lead Generation, B2B Sales, Data Analysis, Inbound Sales, Sales Coaching, SaaS Sales, HubSpot, Business Development, Marketing Collateral Development, Web Scraping, Financial Planning & Analysis (FP&A), Project Management, Stakeholder Management, Budget Management, IT Support, Product Management, Program Management, Sass, Sales Consulting
Corporate Vice President
1999 - 2000
NY Life
- Drove the Strategic Marketing and Internet divisions as online insurance sales began threatening agents. Revised the digital strategy, built a $33 million website, and launched a caregiver-support business that later spun off as its own division.
- Deployed a new digital strategy as online life insurance sales threatened the agent-led model. Built a $33 million website that strengthened the New York Life channel, increased leads for 10,000+ agents, improved self-service, and cut costs by 22%.
- Trained more than 2,000 top executives at New York Life to embrace an entrepreneurial mindset as the company prepared to demutualize and issue stock, using classes, collateral, incentive awards, and events.
- Created a support service for caregivers of seniors and children, providing advice and connecting them with professionals. The goal was to build a prospect-sourcing tool, which later evolved into an independent division.
Focus areas: Home Services, Excel 365, Advertising, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Customer Lifetime Value (CLV), New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Global Operations, Conference & Event Production, Public Speaking, Consulting, Change Management, Quality Management, B2B Partnerships, Paid Advertising, IT, P&L Responsibility, Budgeting, Long-range Plans, Long-term Care, Vendor Selection, Vendor Management, Contract Negotiation, Life Insurance, Insurance Broking, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Customer Service, Monetization, Collateral, Curriculum Development, Modeling, Competitive Analysis, Organizational Design, Digital Banking, Consumer Banking, B2C, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Loans, Term Loans, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market (GTM) Strategy, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Credit/Debt, Credit Cards, Credit Card Processing, Prepaid Debit Cards, Business Services, Growth Marketing, B2B Lead Generation, Data Analysis, Inbound Sales, Sales Coaching, SaaS Sales, Business Development, Marketing Collateral Development, Web Scraping, Financial Planning & Analysis (FP&A), Portfolio Management, Project Management, Stakeholder Management, Budget Management, IT Support, Product Management, Program Management, Sass, Sales Consulting
Varied
1982 - 2000
Various Clients
- Spearheaded marketing and operations at American Express for insurance, ATMs, service centers, and digital billing, achieving 32% P&L growth to $63 million and 34% ATM revenue growth. Managed a 500+ team and $171 million budget.
- Grew Southern NE Telephone market share by 37 points versus AT&T and MCI, meeting a $1.6 billion revenue budget. Managed a 22-person team and 1.4 million consumer and small business lines.
- Launched Visa cash-back at point of sale, coordinating processors, members, and merchants to generate $3 billion in volume in four months for a $50+ billion product. Secured SNAP and government payment deals by lobbying the USDA and the Treasury.
- Directed Midwest industrial consulting at S&P/DRI, forecasting industry trends, identifying buyers, and selling consulting, data, and SaaS analytics solutions. Expanded team billings 41% to $5.2 million.
- Led financial management for CBS video subscription series, including Lucy, WWII, and A History of Aviation. Calculated the NFL bid, analyzed advertising effectiveness, and authored guides showing the benefits of CBS broadcast time and demographics.
- Launched CubicleComfort.com, an eCommerce site offering personalized nameplates, Zen gardens, and other desk items to make office workdays easier.
- Worked as an assistant to Economics Nobel Laureate William Sharpe, modeling international stock portfolios with local regulations and currency fluctuations, and researching global equity markets and economic data.
- Served as an interim CMO for Ark Restaurants, a multi-concept, NASDAQ-listed firm. Increased repeat business in key segments through an innovative loyalty program and negotiated promotions and discount rates with card companies.
Focus areas: Advertising, Credit Risk, Competitive Strategy, Growth Hacking, Sales, Conference & Event Production, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Economics, Economic Analysis, Analytics, Teaching, Science, Econometrics, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Telecom Equipment & Solutions, Customer Lifetime Value (CLV), Loyalty Programs, Process Design, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Six Sigma, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Logistics & Supply Chain, Startups, Training, B2B Partnerships, SaaS, P&L Responsibility, Budgeting, Long-range Plans, Vendor Selection, Vendor Management, Contract Negotiation, Life Insurance, Insurance Broking, Home Services, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Account Management, Curriculum Development, Broadcasting, Modeling, Competitive Analysis, Organizational Design, Consumer Banking, B2C, B2B, Collaboration, P&L Management, P&L Forecasting, Leadership, Loans, Term Loans, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market (GTM) Strategy, Fintech, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Credit/Debt, Credit Cards, Credit Card Processing, Prepaid Debit Cards, Business Services, B2B Lead Generation, B2B Sales, Data Analysis, Inbound Sales, Sales Coaching, SaaS Sales, HubSpot, Business Development, Marketing Collateral Development, Data Scraping, Web Scraping, Financial Planning & Analysis (FP&A), Portfolio Management, Project Management, Stakeholder Management, Budget Management, IT Support, Product Management, Program Management, Sass, Sales Consulting, Learning Management Systems (LMS)
Education
2016 - 2018
Master's Degree in Elementary Education K-12
Relay Graduate School of Education (GSE) - New York, NY, USA
1980 - 1982
Master of Business Administration (MBA) in Marketing and Finance
University of Chicago Booth School of Business - Chicago, IL, USA
1979 - 1980
Master's Degree in Economics
Northwestern University - Evanston, IL, USA
1974 - 1979
Bachelor's Degree in Economics
Queens College - New York, NY, USA
Certifications
JANUARY 2021 - PRESENT
Digital Marketing
Gies School of Business - University of Illinois
Skills
Finance
Market Research, Customer Lifetime Value (CLV), Profit & Loss (P&L), P&L Forecasting, Term Loans, Budgeting, Financial Marketing, Financial Modeling, Credit/Debt, Data Analysis, Credit Risk, Pricing, Credit Card Processing, Financial Planning & Analysis (FP&A), Secured Loans, Valuation
Output Software
Microsoft Excel, Microsoft Word, Microsoft PowerPoint
Industry Expertise
Sales & Marketing, Credit Cards, Life Insurance
Other
Strategy, Operating Models, Teaching, Omnichannel Marketing, Product Owner, Product Development, Loyalty Programs, New Products, Process Design, Customer Retention, Coordination, Profit Maximization, Product Launch, Sales, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Database Marketing, Growth Hacking, Competitive Strategy, Customer Service, Monetization, Collateral, Account Management, Modeling, Digital Banking, Consumer Banking, B2C, B2B, Collaboration, P&L Management, Leadership, Team Building, Team Leadership, Organization, Vendor Management, Vendor Selection, Long-range Plans, Consulting, Go-to-market (GTM) Strategy, Fintech, Growth Strategy, Marketing, New Product Rollout, Market Research & Analysis, Business Models, Opportunity Identification, Product-market Fit, Marketing Strategy, Growth Marketing, B2B Lead Generation, B2B Sales, Inbound Sales, SaaS Sales, Business Development, Marketing Collateral Development, Data Scraping, Web Scraping, Data Research, Portfolio Management, Project Management, Stakeholder Management, Budget Management, IT Support, Product Management, Program Management, Sass, Go-to-market Execution, Finance, Economics, Trend Forecasting, Analytics, Science, Econometrics, eCommerce, Telecom Equipment & Solutions, Consumer Health, Startup Consulting, Web, Six Sigma, Software Design, Call Centers, Change Leadership, Web Content, Startups, Training, Insurance Broking, Home Services, Training & Training Content Development, Advertising, Curriculum Development, K-12 Education, Broadcasting, Competitive Analysis, Organizational Design, Web Marketing, Loans, Focus Groups, Excel 365, Market Entry, Fintech Consultant, Sales Strategy, Sales & Channel Enablement, Development, Prepaid Debit Cards, Business Services, Benchmarking, Sales Coaching, Sales Consulting, Learning Management Systems (LMS), Economic Analysis, STEM, Lead Generation, Customer Acquisition, Logistics & Supply Chain, Long-term Care, P&L Responsibility, SaaS, IT, Paid Advertising, Global Business, B2B2C, B2B Partnerships, Quality Management, Change Management, Business to Government (B2G), Public Speaking, Conference & Event Production, Global Strategy, Global Operations, Digital, Business to Business to Consumer (B2B2C), Product Bundling, HubSpot, Investment Banking
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