Aaron Davis
North Jersey City,USA
Summary
Seasoned financial executive with a track record of building large scale organizations that bring innovative products to market that measurably improve business results and customer satisfaction. Through a tested playbook of product and design thinking curriculum, his methods have unlocked a culture of critical thinking, data driven decision-making, and stakeholder influence that has upleveled the skillsets of each of the enterprises he has been a part of. Thus, it is no surprise that through his travels across Capital One, JP Morgan, and American Express, and Wells Fargo, he has left behind a track record of consistently high colleague satisfaction scores, leadership awards, and product first, ranging from BNPL capabilities, B2C mobile payment solutions, global digital application capabilities that leverage AI to render data driven application decisions, and new-to-market credit cards. Lastly, he has dedicated his career to diversity and inclusion by becoming the executive sponsor of black recruitment efforts at each of these institutions.
Overview
13
13
years of professional experience
6036
6036
years of post-secondary education
Work History
SVP, Head of Card Product
Wells Fargo
New York, USA
01.2025 - Current
- Recruited to stabilize, transform, and scale the Card Product organization through enterprise operating model change, accelerated delivery execution, and strategic roadmap alignment amid heightened regulatory and business pressure.
- Served as the Head of Card Product with executive scope for end-to-end product functions aligned to all three Card businesses (Brand, Co-brand, Small Business). Other executive accountabilities included control, regulatory, and LRC engagements ranging from internal audit closures to CEO updates on external audits tied to the lift of a ten-year Consent Decree.
- Drove organizational realignment strategy establishing customer journeys (build and market my card, apply and onboard my customer, move money, service and assist), secured incremental funding for new director-level resources, assessed the need for external product talent; and established new partner expectations, governance forums, and engagement cadences to stabilize delivery trends and colleague morale.
- Achieved a step-change delivery outcomes, including 15% improvement in Q3 roadmap commitments delivered and 100% Q4 roadmap delivery—the first such result since the Card Product organization’s start in 2022.
- Influenced and unlocked multiple critical go/no-go decisions across flagship Card initiatives by reframing scope tradeoffs, redefining MVP strategies for both new card launches and money movement capabilities contributing to over $1B in forecasted profit across businesses.
- Defined and aligned Card deliverables across internal and external delivery teams building the first cohesive annual roadmap to integrate both sponsored, requested, and dependent asks in a single view.
- Strengthened control and audit rigor by owning regulatory messaging, setting up recurring control forums, and continually re-sequencing 2026 investment plans amid shifting regulatory and business priorities.
- Defined location strategy by reducing 10 locations to 5; covering all relevant time zones; moving top talent; and concentrating recruitment in areas that balance team distribution and diversify team skillset and representation.
- Card Product Organization
VP, Product Executive, Acquisition Platforms and Services
American Express
New York, USA
01.2023 - 01.2025
- Recruited to influence enterprise shifts in product management frameworks with a near term focus on assisting global platform organizations with developing a framework to deliver scalable vs. market specific components; the goal of which is cost reduction and operational compliance.
- Oversees the firm’s the global acquisition roadmap, prioritizing and sequencing, platform changes to enable business unit deliverables across 23 markets.
- Has oversight for end-to-end acquisition platforms including risk and fraud orchestration, KYC identity verification, business rules enablement, and fulfillment post decision rendering.
- Established enterprise governance protocols to enable thresholds that clearly define the requisite data required to consider nuanced market request vs. enablement of standard platform capabilities.
- Through the above governance process, scaled modernized native mobile acquisition experience across all markets and products.
- Authored a white paper and secured funding for its proposed roadmap to enable integration of AI as a tool to predict regulatory changes across countries and recommend strategic shifts in compliance logic.
- Rolled out enterprise business case and design thinking curriculum to uplevel product skillsets.
- Served as the executive sponsor of the Black Employee Network’s Recruitment pillar in charge of all national conference recruitment with sole hiring responsibility of all recruits in 2023 (20 total).
- Secured the highest colleague satisfaction score in Acquisition history along with a product organization that had the highest performance scores relative to all VP peer.
- Enterprise Digital and Data Services
Executive Director, Product Owner Lending Innovation
JPMorgan Chase & Co.
Wilmington, USA
01.2022 - 01.2023
- Promoted to Executive Director and Product Owner managing all area products related to fix-pay-fix-term financing initiated within the Chase digital ecosystem or at the Point-of-Sale for both existing and prospect customers.
- Responsibilities expanded to include My Chase Plan, My Chase Loan, and all future releasing Point-of-sale capabilities.
- Oversees the firm’s pay overtime customer discovery journey leveraging research and design thinking to continuously refine our point-of-view of the digital capabilities we need to build to address shifting customer needs.
- Serves as the Product Leader and SME in business development conversations with potential integration partners where responsibilities range from assessing solution viability, helping to negotiate terms, and articulating the vision for Chase’s point-of-sale integration approach.
- Has oversight for 4 area product groups, with 20 total product managers, several business analysts and project managers and 12 total technology teams (8 dedicated, 4 aligned).
- Builds operational models to facilitate agile maturity including ceremonializing engagements with cross functional stakeholders, dependent products, and requesting products.
- Is responsible for 20-million-dollar PNL which is used to secure associates as well as design and technology resources.
- Is responsible for 4 of Chase’s most lucrative capabilities owning growth and deepening strategy to optimize penetration and usage.
- Utilizes executive forums to make visible blockages and tradeoff decision points to accelerate product delivery and reduce the product’s execution calories.
- Attends firm-wide executive forums to update Chief Executive Officers on the buy-now-pay-later trends including competitive insights, consumer behavior, economic changes, and regulatory/policy updates.
- Continues to serve on the Card Diversity and Inclusion council building programs for the Advancing Black Pathways recruitment, development, and community engagement initiatives.
- Lending Innovation
Vice President, Digital Product Owner, Deposits
JPMorgan Chase & Co.
01.2019 - 01.2020
- Launched an integrated deposit and card acceptance capability to compete with Square.
- Also, built an omni channel onboarding strategy for digital and branch channels to drive first-day funding, increase product enrollment, increase payment completion and encourage product deepening.
- Developed E2E roadmap to deliver an integrated checking product with embedded mobile card acceptance capability called QuickAccept.
- Effected a 63% lift in first-day funding conversion.
- Drove the strategy and Implementation of a data-centric, optimized mobile and web solution, also enabling 95% customer completion of the white glove contact program from banker-managed customers.
- Enabled a 32% increase in enrollment.
- Produced an 82% rate of payments completion.
- Resulted in 2,450 new accounts per month.
- Lending Innovation
Senior Manager, Product Manager Capital One Café Kiosk
Capital One Bank
Tyson, USA
01.2018 - 01.2019
- Led strategy and implementation of the Product Selector kiosk tool in bank Cafés as an alternative to traditional branch banking.
- Increased new customer acquisition and decreased operational costs related to branch banking via digital technology and an immersive customer experience.
- Increased new customer conversion by 75%.
- Produced $1.8 billion in labor savings.
- Conducted controlled customer research experiments.
- Small Business Banking
Senior Manager, Small Business Payment Products
Capital One Bank
01.2015 - 01.2018
- Promoted to Senior Manager overseeing product strategy and 5 product teams to develop payment products for web and mobile.
- Increased wire transfer usage by 45%.
- Solidified a $2 million initial savings.
- Built a business intelligence engine.
- Implemented Salesforce.
- Small Business Banking
Manager, Product Launch Program Manager
Capital One Bank
01.2014 - 01.2015
- Recruited to design processes and organizational principles to enable Capital One’s existing PMO best practices to adapt to large scale company product launches.
- Generated over 330,000 new customers with over $300 million in deposits.
- Enabled $20 million in operational savings.
- Published a Project Management Guide.
- Served as the SME for KYC/AML.
- Small Business Banking
Senior Consultant
Proxima Consulting
Chicago, USA
01.2013 - 01.2014
- Consulted on-site for Universal Records, Staples and Amazon.
- Reduced Universal Records spend by $10 million.
- Solved $2 million raw material shortage problem for Staples.
- Produced 45% increase in customer engagement for Amazon.
Education
Master of Business (MBA) -
University of Pennsylvania Wharton School of Business
Philadelphia, PAMaster of Social Policy (MSP) -
University of Pennsylvania School of Social Policy and Practice
Philadelphia, PABachelor of Arts - Sociology and Africana Studies
Pomona College
Claremont, CASkills
- Product strategy
L
- Regulatory compliance
- AI integration
- Stakeholder management
- Data analytics
- Product management
- Cross-functional leadership
- Market analysis
- Risk assessment
- Strategic planning
- Problem solving
- Effective communication
- Team building
- Change management
- Execution excellence
- Financial acumen
- Business development
- IT management
- Organizational development
- Recruiting and hiring
- Partnership development
- Digital transformation
- Strategic leadership
- Innovation management
- Process improvements
- Data-driven decision making
- Influencing and negotiating
- Talent development
- Budget oversight
- Management team leadership
Timeline
SVP, Head of Card Product
Wells Fargo
01.2025 - Current
VP, Product Executive, Acquisition Platforms and Services
American Express
01.2023 - 01.2025
Executive Director, Product Owner Lending Innovation
JPMorgan Chase & Co.
01.2022 - 01.2023
Vice President, Digital Product Owner, Deposits
JPMorgan Chase & Co.
01.2019 - 01.2020
Senior Manager, Product Manager Capital One Café Kiosk
Capital One Bank
01.2018 - 01.2019
Senior Manager, Small Business Payment Products
Capital One Bank
01.2015 - 01.2018
Manager, Product Launch Program Manager
Capital One Bank
01.2014 - 01.2015
Senior Consultant
Proxima Consulting
01.2013 - 01.2014
Master of Business (MBA) -
University of Pennsylvania Wharton School of Business
Master of Social Policy (MSP) -
University of Pennsylvania School of Social Policy and Practice
Bachelor of Arts - Sociology and Africana Studies
Pomona College