Work

Cleo

Building credit and lending products.

Cash Balancer AI

A free iOS app that helps young adults get out of debt. Snap a photo of a credit card, student loan or car loan statement and the AI pulls out the balance, APR and minimum payment, then shows your total debt, which debt to pay first and your debt-free date. Cash AI is a voice and text finance coach that answers money questions, explains confusing bills in plain English and runs what-if scenarios before big decisions.

• Designed and built end to end
• 100% free: no subscriptions, no ads, and it never links to your bank accounts
• Six patents pending in AI document extraction and voice-based financial coaching

Mesa

First product hire at a seed-stage fintech that rewards homeowners for everyday spending. Owned three core products from zero to scale: the Mesa Homeowner Credit Card, Mesa Mortgage and Mesa AI.

• Mesa Homeowner Credit Card: a rewards card with $8K–$25K limits where customers earn points toward their mortgage, with 3X points on home-category purchases
• $80M+ in credit lines issued in year one, with a 99%+ repayment rate, under 0.25% fraud and under 5% revolve rate
• Customer base averaging an 808 FICO score and $430K income
• Mesa Mortgage: purchase, refinance and HELOC products up to $4M with points earned at closing, and $1M+ closed within three months of launch
• Mesa AI: AI-powered risk analysis for credit underwriting, mortgage verification for rewards eligibility, and dynamic rewards adjustment
• 100% accuracy on mortgage verification, with zero fraudulent points issued

Xero

Director of Product and head of product for US Product and Innovation. I left to launch Mesa with my former engineering partner from Cash App.

Cash App

Product lead for virtual cards and buy now, pay later, driving commerce and BNPL innovation at Cash App and Afterpay from zero to one.

• Products owned from zero to one: single-use payment (SUP) virtual cards; lending, loans, ML, AI and risk for BNPL; account servicing and payments; and the in-app browser that powers shopping flows with advertisements
• Launched SUP in 2021 and grew it to $1.8B in gross purchase volume in 2022 and $3.7B in 2023
• The most profitable and fastest-growing BNPL business unit
• SUP uses ads and affiliates for a patented product and revenue strategy
• Called out in Block's Q4 2023 earnings letter
• Took Afterpay to non-contracted US merchants such as Amazon and Target through virtual cards

Juul Labs

Jasper

Contract product and marketing leader helping the credit card startup (formerly CreditStacks) reach its $34M Series A, alongside $100M in receivables financing from WebBank. Jasper is a credit card platform backed by leading investors with over $248M in funding.

BBVA

Led product for Denizen, the world's first global borderless bank account: one account for instant access to your money around the world.

Noonlight

Co-founded the personal safety app formerly known as SafeTrek, which became the #1 safety app on iOS and Android, raised over $7M in venture funding and went on to power safety features on Tinder. I had a financial exit from the company.

• 7,000,000+ emergency alerts across all 50 states
• Match Group invested in Noonlight to power safety features in Tinder and its other dating apps
• Featured on 7 ABC News

Intuit

Led product innovation across TurboTax and Mint for three years, working weekly with Intuit founder Scott Cook for two of them.

• TurboTax Benefit Assist: used tax data to apply for 350+ government benefit programs across all 50 states, delivering $1.5B+ a year to customers
• Benefit Assist served over 1M low-income TurboTax customers applying for government assistance
• Intuit Credit Score Service: a free credit score inside TurboTax, Turbo and Mint
• Intuit Offers: used a mix of data to show customers the best financial product offers on Mint and TurboTax
• myRA: a partnership with the U.S. Treasury to get more Americans signed up for a retirement plan inside TurboTax
• California EITC calculator: a partnership with the state that supported 200K+ low-income residents
• Testified to the New York City Council on the automatic benefits bill, 855-A

Breathometer

Breathometer is a mobile platform that uses a small hardware device to detect a range of compounds from human breath. Its first product was a single-sensor breathalyzer for iOS and Android. The company raised over $30M from Shark Tank, Sir Richard Branson and top-tier VCs.

• The first company to receive funding from all five sharks on Shark Tank
• Sales grew from $140,000 to $1 million within three months of the Shark Tank pitch

AgLocal

AgLocal was a two-sided platform that connected local family farmers with top chefs and restaurants throughout the USA. It raised $3.5M in seed funding from Andreessen Horowitz, and later became a consumer-facing subscription service.

Deem, Inc.

Plum District

University of San Francisco

University of San Francisco