Case Studies

Spective Consulting empowers small to mid-sized companies with strategic insights and execution support to drive their growth and success. This page showcases use cases that highlights expertise in navigating complex challenges and delivering impactful results. From launching new consumer finance products to providing strategic leadership, each reflects the commitment to transforming ideas into action. Discover how Spective's fractional CCO executive support has helped businesses like yours overcome obstacles, paving the way for sustainable success.

Launch Secured Credit Card

Client: Consumer Finance Brand

Challenge: Expansion into the credit card market

Solution: Review credit card strategy, assumptions, pro forma, and other related materials. Evaluate platform providers, referral partners and/or acquisition opportunities for product roadmap. Lead RFP/due diligence activities. Lead cross functional project to develop new product focusing on critical path items.

Outcome: Product soft launched in market

Fractional Executive - Credit Card

Client: Fintech startup

Challenge: Launch a new unsecured credit card

Solution: Provide strategic direction and vision for new credit card business launch including platform, product, marketing and p&l support. Participated in sales pitches and partner implementation. Mentored team and focused on operational execution and decision making.

Outcome: Product in development

Product Diversification

Company: Sallie Mae (previous employer)

Challenge: Launch new personal loan and credit card

Solution: Managed a new stand-alone consumer lending division, functioning as a startup within the larger bank. Led the launch of new financial products, including a credit card business and a personal loan business. My responsibilities spanned strategic leadership in product development, P&L management, and revenue growth, along with comprehensive stakeholder management—regularly engaging with executive teams, the board of directors, and regulators. Additionally, I was responsible for hiring and directing a fully staffed team to execute innovative strategies that focused on customer adoption and overall financial performance.

Outcome: Products launched in market

Personal Loan Startup

Company: Credit One Financial Services (previous employer)

Challenge: Launch a new personal loan

Solution: As one of the first ten employees, I was responsible for developing new comprehensive strategies and analytics for a personal loan startup: including acquisition strategies, existing customer strategies, and collection strategies. Worked closely with the founding team to establish and scale an operation that swiftly grew by setting up essential systems —including implementing the core processing system, decision engine, and sophisticated forecasting models—laying a solid foundation for the company's future growth and its eventual acquisition.

Outcome: Product launched in market