Work

Building products since 2010, from zero to billions.

$3.7BPurchase volume in 2023 for the buy now, pay later product I led at Cash App & Afterpay
$1.5B+In government benefits delivered each year through TurboTax Benefit Assist
7M+Emergency alerts handled by Noonlight, the safety app I co-founded
6Patents pending for Cash Balancer's AI document extraction and voice coaching

Work History

Jun 2026 – Now

Cleo

London & Lake Tahoe · Remote
Director of Product Management

Building credit and lending products.

Jan 2026 – Now

Cash Balancer AI

Founder

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
cashbalancer.com →
Jan 2025 – Dec 2025

Mesa

Remote
Head of Consumer Product

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
Jun 2024 – Dec 2024

Xero

San Francisco Bay Area
Director of Product Management

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.

Nov 2020 – Jun 2024

Cash App

San Francisco, California
Product Lead, Commerce on Cash App & Afterpay

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
Dec 2018 – Nov 2020

Juul Labs

San Francisco, California
Director of Product Management
Jul 2018 – Dec 2018

Jasper

San Francisco, California
Vice President of Product

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.

Aug 2017 – Jul 2018

BBVA

San Francisco, California & Madrid, Spain
Vice President of Product

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

Jan 2015 – Dec 2017

Noonlight

Co-Founder

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
Jul 2014 – Aug 2017

Intuit

Greater San Diego Area
Product Leader

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
Jul 2013 – Jul 2014

Breathometer

San Francisco Bay Area
Head of Product and Engineering

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
Oct 2011 – Nov 2013

AgLocal

San Francisco Bay Area
Head of Product Management

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.

Feb 2012 – Oct 2012

Deem, Inc.

San Francisco Bay Area
Product Manager
May 2010 – Feb 2012

Plum District

San Francisco Bay Area
Associate Product Manager

Patents

Six US patent applications filed for Cash Balancer in March 2026. All are patent pending.

AI-Powered Financial Document Extraction and Validation System

Multimodal AI pulls financial data from photographed receipts, paychecks, statements and loan documents, then validates it server-side, with on-device OCR as a fallback.

ExpandCollapse
Application no.
64/015,662
Filed
March 24, 2026
Status
Patent pending

A system that uses multimodal AI to extract financial data from photographed documents (receipts, paychecks, credit card statements, loan documents), then applies server-side validation including APR swap detection, balance sanity checks, and range clamping. Extracted data populates type-specific data models across 7+ financial document types, with automatic fallback to on-device OCR when cloud processing is unavailable.

Financial Document Image-to-Voice Explanation System

Turns a photographed bill or statement into a plain-language explanation read aloud by a consistent AI persona.

ExpandCollapse
Application no.
64/015,671
Filed
March 24, 2026
Status
Patent pending

A system that converts photographed financial documents into plain-language voice explanations. A multimodal AI analyzes the document image, generates a conversational explanation using a consistent AI persona, and pipes the output to a text-to-speech engine for audio playback, enabling users to hear their bills, statements, and financial documents explained in simple terms.

Natural Language Financial Scenario Modeling with Extended Thinking

Answers "what if" money questions against your real finances, with before-and-after impact on debt timelines, interest and cash flow.

ExpandCollapse
Application no.
64/015,678
Filed
March 24, 2026
Status
Patent pending

A system that accepts natural language "what if" financial questions, ingests the user's real financial data, and uses an AI model with an allocated extended thinking budget to perform deep scenario analysis. Returns structured before-and-after comparisons showing projected impact on debt timelines, interest paid, and cash flow, along with actionable recommendations.

Voice-Based Investor Emotion Detection and Adaptive Coaching System

Reads investor emotion from voice check-ins, classifies behavioral finance biases and responds with adaptive spoken coaching.

ExpandCollapse
Application no.
64/021,714
Filed
March 30, 2026
Status
Patent pending

A system that captures investor emotions through voice analysis during check-in sessions, extracts speech biomarkers (speech rate, pauses, duration), classifies behavioral finance biases (loss aversion, herd mentality, disposition effect, overconfidence, recency bias), integrates real-time portfolio and market intelligence, and generates adaptive AI coaching responses delivered via synthesized speech.

Crowd-Sourced Investor Sentiment Aggregation and Behavioral Bias Classification from Voice Biomarkers

Anonymously aggregates voice-derived emotion across investors into a real-time crowd sentiment index that triggers proactive interventions.

ExpandCollapse
Application no.
64/021,726
Filed
March 30, 2026
Status
Patent pending

A system that anonymously aggregates voice-derived emotion data from a population of individual investors to build a real-time crowd sentiment index, optimizes coaching strategies through a feedback loop that tracks effectiveness across different emotional states and market conditions, and triggers proactive interventions when crowd-level fear, FOMO, or anxiety exceed critical thresholds.

Advisor-Facing Client Emotion Intelligence System with Voice-Derived Sentiment Monitoring, Behavioral Bias Alerting, and Proactive Engagement Triggers for Licensed Financial Professionals

Gives licensed financial advisors voice-derived emotion updates across their client book, with outreach recommendations and consent controls.

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Application no.
64/021,741
Filed
March 30, 2026
Status
Patent pending

A system that delivers voice-derived client emotion intelligence to licensed financial advisors and money managers, replacing the industry's quarterly check-in model with emotion-driven proactive engagement. Advisors receive real-time emotional state updates across their entire client book, AI-generated outreach recommendations with behavioral bias briefings and talking points, and configurable alerts triggered by client distress, disengagement, or crowd-relative emotional outliers, all governed by granular, revocable client consent.

Education

M.B.A.

University of San Francisco

B.S., Business Entrepreneurship

University of San Francisco