
Senior Product Manager, PayPal Credit Risk
San Francisco Bay Area

Senior Product Manager, PayPal Credit Risk
San Francisco Bay Area
An accomplished management professional with a demonstrable record of achievement driving successful change programs and implementing complex product strategies in challenging cross border and organizational change environments. Combines high levels of acumen and candor with sound business skills and systems knowledge. A very focused and results orientated individual offering significant strategic management experience and a proven ability delivering innovative solutions and optimizing resources.
Interested in international senior management roles with an innovative and driven organization where the focus is on continuous service improvement to grow competitive advantage and deliver greater business value.
Contact suzastewart@gmail.com
Risk management, payments, product director, product management, compliance, product manager, online payment processing, credit cards, e-commerce, product strategy, project management, product marketing, business development, financial services
(Public Company; ebay; Internet industry)
August 2007 — Present (2 years 4 months)
Led the product management transformation of PayPal’s merchant-risk management infrastructure into a world class, loss reducing, enterprise capability
Responsible for PayPal's international, merchant-risk product roadmap-- concept to launch, defining ROI opportunities, securing and spending CapEx/OpEx, loss performance, prioritizing feature delivery with a dedicated Engineering team
Launched global PayPal platform to reduce merchant risk-- by revenue equivalent of $200MM annual
Defined product requirements for achieving international loss savings
Negotiated vendor contract
Directed $3.1MM budget and 750 EngineerDays effort
Managed vendor integration in rapid deployment PayPal environment of 8 months
Designed metrics for quality and speed
Transformed technical capability from only transaction monitoring to holistic account monitoring
Launched improved international telephony eBay verification solutions, reducing global fraud rate from 25% to 8%
Nominated and completed PayPal's Emerging Leader Program
(Public Company; V; Financial Services industry)
2003 — July 2007 (4 years )
Channel Development-- performed customer segmentation research, leveraging results to develop product marketing to expand channels of distribution for U.S. debit cards
Managed $1.5MM budget for market research and pilots
Increased penetration in Hispanic, bill payment, and fast food
Wrote joint marketing plans with bank partners— Chase, Bank of America, Wells, and USBank
Enterprise Risk Management-- implemented international oversight for product risk management and compliance
Launched a patent pending, worldwide software release of custom compliance solution
Managed risk assessments, audit planning, and evaluation of internal controls
Wrote policy and integrated strategy-risk framework across other risk management functions: PCI DSS, Operations Risk, Audit, SOX
Forecasting-- led annual efforts to forecast $375 billion in U.S. Debit volume required to achieve strategic objectives
Instituted metrics to track and reforecast progress to target
Oversaw $7MM budget spending by product management
(Internet industry)
2001 — 2003 (2 years )
Reported to President while revising product roadmap to establish steady revenue streams and improve profitability
Reduced cost structure 15% by joining two product families, consolidating sales teams, and simplifying customer-pricing
Collected 20% additional revenues by creating event sponsorships and by securing first customer, Brown-Forman, for launch of new, expanded client services
(Computer Software industry)
January 2001 — October 2001 (10 months)
Negotiated co-marketing, licensing, and joint venture agreements with strategic partners to increase the company’s professional service margins by 12%
(Public Company; INTU; Computer Software industry)
June 1999 — September 1999 (4 months)
Developed business case, defined marketing requirements, and quickly launched company’s first e-commerce payroll solution for the small-to-medium business segment-- creating cross-sell opportunity for over 70,000 customer installed base
payroll.com/services/
(Public Company; SWY; Supermarkets industry)
1996 — 1998 (2 years )
Developed strategy and business cases for potential new products and businesses, including analysis of potential acquisitions
Managed product and marketing integration of Vons acquisition
Drove end-to-end large-scale product launches, including payroll cashing/banking services, loyalty card, $130MM in new grocery products-- artisan bread, washed bagged vegetables, marinated meat
Matrix-managed a team of executives and tiger teams of 75 people including: vendors, agencies, and cross-functional managers from Advertising, Legal, Construction, and Store Operations
(Public Company; Telecommunications industry)
1995 — 1996 (1 year )
Wrote business plan and secured $10MM funding to build AirTouch’s first National Accounts program
Implemented cross-carrier rate contracts, aggregated billing infrastructure, customized pricing plans to reduce churn, and secured Motorola co-branded promotional handsets for corporate customers
(Management Consulting industry)
1994 — 1995 (1 year )
Conducted profitability analysis and Build/Buy/Partner analysis
Acquisition due diligence resulted in $450MM Nellcor-Puritan Bennett integration and salesforce redesign
Product Strategy Consulting— industry research, product-development workshops, and NPV modeling to help clients with product development and market entry strategies
(Retail industry)
1992 — 1994 (2 years )
Developed revenue and expense forecasting models to understand business operations and develop competitive strategies for growing revenue margins
Oversaw activity-based costing for fulfillment, global G/L reporting, and catalog profitability analysis
Magna Cum Laude, Phi Beta Kappa
Six Sigma, Visa Alumni
Phi Beta Kappa
Magna Cum Laude