Appressa

The primary function of the Appressa platform is to create a single, frictionless pipeline between Prime and Sub-prime financial institutions. This pipeline, known as the Appressa decline marketplace, is a network that intelligently routes “next best offers” from Sub-prime banks directly to customers… who are about to be declined at a Prime bank.  Appressa creates a more inclusive environment and delivers safer/better access to credit products for end-user consumers. This process does not negatively impact the applicant’s credit score, because the Sub-prime bank only utilizes a soft-pull of a credit bureau.

Investor and Board Member

i-Partner Group, LLC

Principal in consulting company, which completed projects for: MHR Fund, Warburg Pincus, US Bank, Bank of America, Banco Espiritu Santo, Banco Popular, Chedraui Stores, Banco Facil, Travelocity, Bouncopy LLP, StorValue Card Solutions, EA Sports, UPromise, GE Money, Fidelisoft, Banco Santander, Visa International in Mexico and Spain…etc.
Lead  a team of experts, who are focused on multi-national, multi-lingual projects in the following areas: Business Development/Partnership creation, Marketing, Credit, Micro/Social  based lending, Collections, Retention, Database Modeling, Call Center outsourcing and general Operational optimization

Credit One Bank

Negotiated, signed and have p&l responsibility for all Credit One  partnerships: American Express, Visa, MasterCard, Nascar and other significant partners
Play a key role in analyzing and purchase of all international and domestic business development opportunities across multiple sectors
Led effort to sign a multi-year partnership with NASCAR as an official partner, which was the first co-brand deal in the history of Credit One
Led all negotiations to sign a strategic partnership with American Express and served as Executive sponsor of the project until launch in 4Q, 2019

Senior Executive Vice President, Chief Commercial Officer

Barclays

Reported directly to CEO and had direct P&L responsibility for one-third of $7.5B Barclays US co-brand credit card business
Responsible for entire lifecycle of partnerships from sales negotiations and marketing and  extending  through customer service and collections (Travelocity, Frontier Airlines, Carnival Cruises, DirecTV and BJ’s Wholesaler)
Drove new transformational project in conjunction with Customer service to change the Representative current culture from one of service to a sales based culture

Senior Director

MBNA

Reported directly to CEO and had direct responsibility for all credit card and newly launched Consumer Loans Division with full P&L responsibility
Managed 4 Directors who have responsibility for Customer Service, Credit, Telesales and Loss Prevention Areas with a team of more than 400 people 
Implemented key Technology projects: Upgraded Customer Service platform, new predictive dialer, automated voice response software up-grade and new Fraud detection package

Chief Operating Officer MBNA Espana

Managed all facets of Business Development: Sales, Marketing and Customer Loyalty.  Managed 154-person cross-disciplinary team with full P&L responsibility
Worked with CEO to devise and implement strategy and goals for all team-members, to more effectively integrate the organization towards NIBT goals at all points in Business Development cycle
Launched In-bound and Outbound Call center Division for MBNA España
Exceeded 2003 account goal by 20%, launched eight channels - including door-to-door and SMS channels
Developed first direct mail model in Spanish market and created the largest direct mail company in Spain

Chief Marketing Officer, MBNA Espana

Director of Multi-Cultural Marketing

St. Benedict's Prep School

Teacher/Coach

C-Suite Executive/ Board Member/ Advisor with deep domestic and international leadership experience

A compelling combination of a highly focused, entrepreneurial, and deeply experienced senior leader with US, Lat-Am and Western Europe market experience.  Keenly focused on executing strategies that are based on prime/ sub-prime partnerships, creating data driven, compelling and efficient marketing strategies and creating and executing flawless operational processes.

Specialties: 
Prime and Sub-Prime Lending and Marketing - delivering economic value through creation of strong customer value propositions, analyzing marketing results and continued focus on channel level NPV.  Delivery of solutions to lend with an eye on profitability in prime and sub-prime credit environments


Taplio

Pat Napoli's Linkedin Analytics

Want to drive more opportunities from LinkedIn?

Taplio

.css-1jgreyo{background-image:linear-gradient(284deg, rgba(39,43,72,1) 0%, rgba(33,47,183,1) 100%);color:transparent;-webkit-background-clip:text;background-clip:text;}Pat Napoli's Linkedin Analytics

Want to drive more opportunities from LinkedIn?

Pat Napoli's Linkedin Analytics