University of Southern California - Marshall School of Business

Rutgers University School of Law - Camden

University of Illinois Urbana-Champaign

Lending Product Manager at SkyOne Federal Credit Union

Anaheim, California, United States

Leading product management for credit cards, payments, auto lending, real estate, personal loans and business loans.
- Spearheading machine learning initiative for underwriting which will drive 25-50% more loans.
- Forecasted to make >100 solar loans annually through fintech partnership.
- Launched new mortgage processing program that has driven 3x more loans.
- Rolled out innovative new rewards credit card and balance transfer promotions.
- Drove new preapproval platform integration that drove 4x more product offers.
- Implemented loan insurance that drives 4x more funding for near-prime loans.

SkyOne Federal Credit Union

Lending Product Manager

Led credit card and consumer lending product management for fifth largest credit union in the US ($20B total assets).
- Spearheaded consumer loan lineup rationalization.
- Led launch of pre-approvals for new Members.
- Increased revenue and lowered internal costs by operationalizing auto-purchasing partner programs (TrueCar, Enterprise, Autoland).
- Successfully drove cross-team readiness for new loan deferment program.

SchoolsFirst Federal Credit Union

Credit Card and Lending Product Manager

Headed debit card, bill payment and telecommunication products for >$1B multinational financial services leader.
-  Developed new POS UX and flow targeted to increase usage of in-store bill payment product.
-  Increased international mobile recharge sales by implementing new pricing structure.
-  Drove large spikes in Ria international long distance product sales through new promotions platform.
-  Successfully launched phone recharge options in over 20 new Latin American, Asian and African markets.
-  Drove sales lifts during key holidays by developing promotional platform for international long distance product.
-  Launched in-store debit card acceptance, with focus on key Ria-owned locations.
-  Extensively reduced mobile recharge monthly update turnaround through operationalization.
-  Saved company significant per-transaction costs by implementing Sales Tax collection process nationwide.
-  Significantly expanded list of available biller companies for in-store bill payment product.

Ria Financial

Senior Product Manager

Led product management team for Discover partnership.
-  Spearheaded ideation and research of new product concept by synthesizing innovative mobile and Cloud feature sets.
-  Drove customer satisfaction for existing customer base via customer care and operational improvements.
-  Headed cross-functional team to target 100% enrollment and benefit monitoring.

Experian

Provided marketing and online services targeting startup firms in the Cloud space.
-  Directed strategy, marketing and channel development for Cloud solutions firm with target of implementation at 100 brand-name firms and government agencies.
-  Expanded Twitter audience 10x for local-events site by driving market positioning and social media strategy.

JFR Marketing Consulting

Managing Director

Led main consumer product marketing division for $1 billion dollar brand-name wireless networking company, including Cloud products.  Spearheaded all major consumer campaigns, business management, pricing and new account placement.
-  Drove unprecedented router sales in first year after launch by leading largest launch campaign in company history: <a href="http://amplifi.dlink.com">amplifi.dlink.com</a>.  Devised first-ever launch process for D-Link.
-  Saved company targeted $2MM/year through new channel strategy, P&L analysis and forecast process.
-  Won CES Best of Show award new for new Cloud-enabled routers through PR leadership.
-  Spurred 20% increase in volume by leading pricing analysis team to review and establish pricing for over 60 products, including Cloud products.

D LINK

Director, Product Management - Consumer Connect Solutions

Senior Marketing Solutions Manager
Led product management on two vital Microsoft online Cloud programs: Virtual Events Service and Microsoft Partner Events, supporting organizational charter to provide world-class marketing tools to Microsoft marketers.
-  Evangelized the Virtual Events Cloud-enabled platform for Windows 7 US and international launch events, leading to over 30 virtual events with over 150K unique visitors in over 25 countries.
-  Accelerated platform development time by 50% through expedited cross-team requirements documentation.
-  Improved customer experience for over 1,000 premium partners by heading rebranding team on Microsoft Partner site – partners drive 90% of Microsoft revenue.
-  Drove cross-functional team build Silverlight-powered virtual desktop marketing and training modules.

Consultant
Drove marketing operations execution and strategy for Acer OEM partner team at Microsoft.
-  Spearheaded new global partnership initiative for top 30 markets to increase sales and genuine software share.
-  Drove $33MM dollar global budget by supervising shared online/offline marketing programs.

Microsoft

Senior Marketing Solutions Manager / Consultant

Directed T-Mobile’s credit-challenged customer portfolio—a key wireless growth area.  This role included the development, launch and management of FlexPay, a revolutionary new program that opened up monthly plans to credit-challenged customers.  This led to two Excellence Citations for leadership on this project.
-  Drove 2008 subprime business plan for senior management to grow business by 20%, with plan including handset lineup, new rate plan concepts and improved onboarding material.
-  Lowered customer care costs by creating a comprehensive yet simple set of FlexPay online FAQ’s and SEO keywords, then driving customers to the company Web site in collateral and signage.
-  Expedited early FlexPay launch using groundbreaking scrum project management approach to meet 2007 Plan by adding over 100K customers per month and 500K new customers to T-Mobile in its first quarter.
-  Lowered FlexPay support costs 50% by identifying call drivers and creating improved “scripts” for support team.

T-Mobile

Marketing Manager

Drove marketing and channel development campaigns, product management of top-selling printers through entire life cycles and ink genuine share and profitability.

Supplies Category
Promoted to run $600MM consumer ink category, which is Epson’s key revenue source and global in scope. The role provided constant interface with senior executives and included forecasting and quantitative analysis.
-  Grew direct online ink sales by 29% in one year through SEM and rich content by leading global strategy team that included executives from US and headquarters. This leadership led to a Global President’s Award.
-  Established recognizable ink branding and packaging through market research to reap millions of incremental dollars in genuine ink sales and 90% genuine share.
-  Led placement in new accounts - 50% of overall electronics market - Wal-Mart/Sam’s, Costco and Best Buy.
-  Increased forecasted Plan profitability for FY 2006 by 20% by driving pricing strategies.

Hardware Category
-  Created compelling promotional Web sites for <a href="http://DURABrite.com">DURABrite.com</a> and Claria ink and printer products.
-  Selected by management to launch the Epson’s first consumer-level inkjet product with fax capability.
-  Successfully recommended sales-enhancing features through regression and time-series analysis of $50B printer market, led team to transform analysis into company-wide tracking and forecasting program.

Joseph F. Renini