David Lo

• Combined Agile and hybrid SDLC methodologies between Amex and the white-label partner. I designed, solved, built, tested, and launched a Business Loans product in two global markets.
• Performed full P&L accountability; originated AR exceeding annual targets in the hundreds of millions of dollars.
• Optimized all aspects of funnel conversion covering marketing, telesales, risk approval, and offer uptake.
• Managed the customer base for timely repayments, renewals, cross-sell opportunities to credit card products, and other customer needs.
• Integrated with over ten external 3rd parties providing data and back-office operations, e.g., Equifax, Flinks, LexisNexis, and more.
• Utilized innovative technologies and capabilities to streamline the customer experience, e.g., AI-backed credit risk models for offer decisioning, open banking APIs for bank data aggregation, and automated document processing for due diligence tasks

• Provided engaging ways for SMB owners to learn about, apply for, and manage loans auto-adjudicated with AI models backed by cash flow and retail sales data. Delivered lead-generation, nurturing, and conversion benefits.
• Grew over 2 million new leads via a white label lending-as-a-service (LaaS) for National Bank.
• Expanded by 30% in the prospect pool of planning and implementing the online credit hub with a personalized content marketing strategy, targeting earlier in the lifecycle for lead generation.
• Executed five market studies to drive the roadmap and managed focus groups, surveys, and A/B UX tests.
• Managed a team of five, including product owners and analysts.
• Executed four process improvements to optimize QA, training, and go-to-market tactics.

• Led 106 cross-functional team members as program owner.
• Secured six partner deals including Spotify, Netflix, VICE, and others, offering free promotional deals of up to two years.
• Launched two celebrity endorsements, with Shawn Hook and Alessia Cara.
• Secured over $600 million in revenue and $80 million OPEX savings through new sales and partner deals.

• Conceptualized, designed, launched and managed various digital converged products combining calling and messaging (Rogers One Number), and video (Anyplace TV).
• Led a team to create a new mobile marketing channel with an install base of 7 million.
• Executed an omni-channel content plan to showcase apps on social media, YouTube, and retail.
• Grew a 15% increase in retail foot traffic, and sustained boosts in customer engagement and sales.

• Enabled rapid delivery of new products and features, drove sales growth, and brought down operational costs in acquiring, servicing, and supporting customers.
• Led and managed 57 cross-functional team members as their business owner.
• Eliminated $7 million in yearly operational tech costs by migrating solutions and platforms.
• Reduced the cost of customer acquisition by 23% via streamlined digital sales, and service workflows, and faster back-end data processing.
• Cut end-to-end sales and service time by 40% for new customers by automating self-serve steps using AI decision-making and collaboration with risk management.