AUSTIN MARSHALL
Summary
Passionate builder and innovator with 10 + years' experience in the financial services industry with a proven track record in end-to-end product management, credit risk underwriting, loan lifecycle management, sales/partner engagement, BIN acquiring and business strategy. Proficient in API/Microservice infrastructure, SQL, Jira, risk decision engines and agile methodology. Deep industry experience in credit risk management, KYC, financial risk modeling, loan structuring and loan recovery.
Overview
11
11
years of professional experience
Work History
Vice President - Senior Product Manager, BIN Acquiring
Goldman Sachs Transaction Banking
09.2021 - Current
- Launched new BIN acquiring product supporting large PayFacs
- Areas of focus include risk controls, portfolio monitoring and product enhancements
- Efforts resulted in reducing manual portfolio monitoring by 70%
- Led engagement with engineering, legal, compliance and internal audit while collaborating with card networks to complete Visa and MasterCard program audits, network waivers and ongoing network compliance.
Associate - Product Manager, Embedded Lending
Goldman Sachs Transaction Banking
09.2021 - 12.2022
- Owned roadmap, strategy and development for originations, credit and onboarding capabilities for new API based embedded commercial line of credit product launch
- Led partner engagement and implementation for two new partner launches for an embedded commercial line of credit product
- Relentlessly prioritized and optimized competing priorities from internal and external stakeholders
- Managed backlog, requirements, tech grooming and UAT for originations engineering team of 20+, covering complex systems including partner facing APIs, ML risk engines, microservices and third-party vendors.
Senior Risk Manager - Credit Risk
Amazon Business Payments
01.2021 - 09.2021
- Managed end-to-end credit risk operations for Amazon Freight (US/EU) and Ship with Amazon (US/EU/UK)
- Implemented automation of in-house credit model by collaborating with cross organizational tech, legal and product teams that resulted in improved efficiencies of 40% and annual cost savings of roughly $100K
- Developed and trained three directly managed credit analysts located across multiple geographies.
Risk Manger - Credit Risk
Amazon Business Payments
01.2020 - 01.2021
- Owned credit underwriting for Amazon Sellers while leading SOP improvements, driving product recommendations, collaborating with third party vendors and facilitating portfolio experiments
- Developed underwriting scorecard that improved efficiencies by 70% for roughly 1,000 applications per month
- Built scalable credit risk program for Amazon Freight, increasing credit limits by roughly 50% across the portfolio.
Commercial Banking Portfolio Manager
U.S. Bank
03.2019 - 01.2020
- Independently managed a portfolio of 15+ Middle Market clients, owning all credit underwriting, legal negotiation/documentation and ongoing risk management while building deeper relationships with clients.
Associate - Middle Market Credit Underwriting and Structuring
KeyBank
01.2016 - 03.2018
- Owned credit underwriting; including analysis of financial statements, projections, market trends, collateral and cash flow with a focus on sponsor backed leveraged transactions.
Rotational Analyst - Dealer Services
KeyBank
07.2013 - 01.2016
- Supported sales efforts through credit underwriting of annual renewals, new money transactions and prospective analysis for a portfolio comprised of 13 clients with total exposure of $350 million.
Education
B.A. in Financial Economics -
Western Washington University
Bellingham, WA06.2013
Skills
- Sales Leadership
- Customer Service
- Business Development
- Human Resources
- Price Structuring
- Event Networking
- Financial Management
- Forecasting
Accomplishments
- Pacific Crest Trail – Competed six-month thru hike covering 2,650 miles in March – September 2018
Timeline
Vice President - Senior Product Manager, BIN Acquiring
Goldman Sachs Transaction Banking
09.2021 - Current
Associate - Product Manager, Embedded Lending
Goldman Sachs Transaction Banking
09.2021 - 12.2022
Senior Risk Manager - Credit Risk
Amazon Business Payments
01.2021 - 09.2021
Risk Manger - Credit Risk
Amazon Business Payments
01.2020 - 01.2021
Commercial Banking Portfolio Manager
U.S. Bank
03.2019 - 01.2020
Associate - Middle Market Credit Underwriting and Structuring
KeyBank
01.2016 - 03.2018
Rotational Analyst - Dealer Services
KeyBank
07.2013 - 01.2016
B.A. in Financial Economics -
Western Washington University
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