Lloyd Fernandes is a well-educated and experienced financial product development professional with comprehensive expertise in team building, scaling products, and growing businesses. He holds a Master's degree in Business Administration from Southern New Hampshire University, a Doctorate in Philosophy from Capella University, a Master's in Management from Saint Mary's College of California, and a Bachelor's degree in Physics from the University of Mumbai. Fernandes has held many significant positions, including Enterprise Account Executive at Comcast Business, Senior Director, Product Management at Rapyd, and Director, Product Management at Verifi Inc. He has been a Lead Product Manager and a Senior Product Manager at PayPal and worked at Blackhawk Network, Infinite Facility, Marketlive, Mphasis, Psi Data Systems, and Syntel in various roles. His professional background is extensive and covers a wide range of responsibilities, including project management, software consulting, systems engineering, and product ownership.