Michel Kattan

FinTech growth and retention (ex-PayPal)

Novato, United States (-08:00 UTC) Spanish, Englishfrom Novato, United States
Usually responds in 9 hours
Free
Price per hour
15 min
Time Blocks Available
5.00
25 reviews / 29 sessions
Sat
14
Next availability

Bio

With a track record spanning two decades, I've spearheaded exponential growth in FinTech and digital brands, culminating in $1.5B+ annual loans at Oportun and a remarkable ~$45MM incremental revenue coupled with ~$10MM annualized cost savings. My approach merges creative velocity and diversity, resulting in over $110MM in accumulated incremental revenue and substantial operational savings. My leadership pillars center on capabilities, collaborative behavior, and inclusive issue management: • Capabilities: Deep FinTech insights enable me to articulate motivating visions in simple business terms. • Collaborative behavior: I foster unity among cross-department teams, steering them towards achieving business KPIs. • Issue management: Embracing diversity and inclusion accelerates digital transformations. My expertise lies in driving high-performance teams towards global market penetration and revenue amplification. As a leader and team player, I emphasize collective success, championing optimism, and simplifying complexities. Achievement Highlights: • At Oportun: Led initiatives generating $1.5B+ in loans, restructuring departments to yield $10MM annual savings, and driving a $45MM annualized revenue increase. • At Plooto: Boosted active customers by 43% through strategic paid media campaigns and enhanced PQL to CAP quality by nearly ten percentual points. • At PayPal: Enabled a 35% increase in activations for Xoom in Canada and Europe, optimized marketing mix resulting in +12% YoY incremental growth, and doubled customer activations in 2020. • At Xoom: Quadrupled business, led successful product launches, secured Usain Bolt as a global brand ambassador, and oversaw the fastest-growing product in the company's history. Education: • MBA • Graduate Degree in Marketing • Bachelor of Science in Industrial Engineering Keywords: Performance Growth Marketing | FinTech and Digitally Native Brands | Iterative Optimization Strategies | Omnichannel Marketing (TV, Audio, Digital) | Paid Media | Owned Media | SEM, SEO, ASO | Strategic KPI Development | Content Marketing | Brief Writing | Agency Management | Cross-Cultural Campaigning | First Principles Thinking | Innovative Creative Direction | GTM Strategy | Team Leadership and Empowerment | Team Hiring | Operational Excellence in Marketing | Advanced Data Analysis | Cross-Department Collaboration | Strong Self-Starter Work Ethic | Zero ego

Expertise

  • Building a team

    I've built and led high-performance teams, merged departments, and fostered unity behind $110MM+ revenue impact. I'm all for building a collaborative space, nurturing growth mindsets, and driving diverse cultures through global markets.

  • Content marketing

    Looking for the compelling narrative? Want to learn the secret sauce behind winning CPG and FinTech brands? It all starts with your customer. I can help you discover those golden insights, and craft the right content strategy.

  • Conversion rate optimisation

    Being at the forefront of conversion KPI, I know what it takes to deliver the business. We can review your current conversion rates, what are the main drivers, and formulate a plan to set them on the right track. Remember to take into account CPA or CAC, and LTV as you're reviewing the CRO drivers.

  • Copywriting

    Let's do copywriting! In English or Spanish. We'll do it with considerations for brand guidelines, compliance and legal requirements. Always aiming that we're delivering the right value to the customer, speaking in a language they can understand.

  • Venting frustration

    It stinks - I get it. I've been there. Please reach out with anything that's bothering you. Let's discuss. I'll do my best to help you see the silver lining, light at the end of the tunnel, and lift your spirits.

Toolkit

  • Capterra logo

    Capterra

    6 years of experience

    Let's discuss how to improve ranking on G2 and Capterra. These are important platforms to watch your rating and reviews, if you're on B2B. Let's discuss how to encourage your customers to write a review, respond to reviews, participate in their badge programs, and leverage their knowledge to monitor competitors.

  • Figma logo

    Figma

    9 years of experience

    Figma is one the must-have tools in your arsenal to improve communication with PMs and Engs. It's great for wireframing, building journeys and visualizing content.

  • G2 logo

    G2

    6 years of experience

    Let's discuss how to improve ranking on G2 and Capterra. These are important platforms to watch your rating and reviews, if you're on B2B. Let's discuss how to encourage your customers to write a review, respond to reviews, participate in their badge programs, and leverage their knowledge to monitor competitors.

  • Google Ads logo

    Google Ads

    14 years of experience

    Let's talk about GA4 and how to use it to measure the effectiveness of your campaigns. Although I'm not a black belt, I can help you navigate, get setup or evaluate the current status.

  • Salesforce logo

    Salesforce

    10 years of experience

    Integrated Xoom into SalesForce Marketing Cloud from scratch. Leveraged it for email, and app notifications. It's a complex, expensive tool that can add value. Let's discuss the result you want to evaluate the best tool.

Industries

  • FinTech

    I love FinTech. It's a power for good. I'm familiar with the space, customer insights, trends and players. I've been doing this for over a decade. Hit me up if you want help thinking how to solve any issue here.

  • Consumer Goods

    I made my marketing bones in CPG. I was behind taking PineSol to leadership in the efficient cleaner segment in Colombia. I bring a full P&L holistic thinking into Growth Marketing.

Experience

  • Oportun

    Senior Director Marketing

    ▪ Accountable for campaigns driving $1.5B+ in annual loans from returning members and all member communications. ▪ Led Oportun’s CLM driving Neo-banking, Lending, and Refinance strategies worth ~$45MM annualized incremental revenue and ~$10MM annualized cost savings. ▪ Leadership, mentorship, and org structure, merged the Neobanking and Lending groups, created a streamlined Lifecycle comms program which saved ~$10MM per year, and defined and developed the Returning Lifecycle strategy and group. ▪ Restructured, productized, and relaunched a pilot RAF program, bringing in double application growth with the lowest risk cohort. ▪ Created and led the Member Communications Group, the first cross-functional department across PAS (phone support), Engineering, Data, and Marketing, to deliver annualized $30MM incremental revenue. ▪ Developed an incremental improvement test-and-learn structure, creating sprints of creativity, execution, measurement, and revision; new tests delivered ~$15MM in total revenue and reduced costs during 2023.

    FinTech

  • Plooto

    Vice President of Growth

    ▪ Delivered growth in Active customers for a series B+ startup and boosted +43% PQL from Q3 to Q4 by launching paid media campaigns targeting the US Market. ▪ Improved CAC by 50% during Q1 vs Q4 by conducting a full audit of all marketing spending, restructuring keyword strategy to match the product benefit and product strengths, and launching SEO. ▪ Increased PQL to CAP quality by nearly ten percentual points from Q3 to Q1 by changing the optimization strategy for all our paid campaigns.

    Accounting

  • PayPal

    Director Global Growth Marketing
    •paypal.com/

    ▪ Led PayPal’s market launch and penetration of Xoom (Money Transfers) into Canada and Europe, bringing in an incremental 35% more activations in 2020. ▪ Led the implementation of a Marketing Mix measurement and multi-media attribution model for Xoom to optimize spend allocation, resulting in +12% YoY incremental growth in new customers and CPA reduction of -10% from 2017 to 2019. ▪ Created and defined the CRM strategy for Xoom aligned with PayPal while collaborating with the manager, VP, and EVP staff to identify potential growth areas, quickly deploy test-and-learn actions, and scale winning initiatives. ▪ Doubled customer activations in 2020 vs. the previous year by improving the media mix buy and optimizing creative strategy. ▪ Added an incremental $65M in monthly TPV behind a new Speed creative based on customer insights and retention campaign with current customers. ▪ Reduced CPA by -56% from 2019 to 2020 by optimizing investment from highest marginal media to most effective, with a rapid succession of creative testing. ▪ Led the market launch and penetration into Canada and Europe, bringing in an incremental 35% more activation in 2020, leveraging US and recipient country referrals (RAF program). ▪ Collaborated with the marketing team to accomplish the most significant rebranding move, seamlessly transitioning Xoom from a stand-alone brand to a PayPal service.

    FinTech

  • PayPal

    Director of Global Growth Marketing
    •paypal.com/

    ▪ Quadrupled Xoom business from 40k new monthly users to over 160k in seven years. ▪ Led incremental media strategy experimentation coupled with inspiring briefs based on customer insights. ▪ Designed and implemented internal and external communication and public relations plans that informed and engaged stakeholders and managed end-to-end production of all creative assets. ▪ Directed GTM launch strategies for new products, optimized investments to increase acquisition and LTV and reduce CPA and created and led Xoom’s challenger brand equity of Speed, which disrupted the market. ▪ Launched Xoom’s ‘Reload’ and ‘Bill Pay’ new services. Integrated the services into the Brand Identity, Copy Strategy, and Brand Narrative. As a result, activations grew to more than 11% of the Xoom business within one year. ▪ Secured Olympic Gold Medalist Usain Bolt as Xoom’s global brand ambassador during 2019 and 2020, which grew Xoom activations by over 25% from 2018 to 2019 and more than 2x from 2019 to 2020. ▪ Led the product launch strategy for Xoom domestic payments in the US, Canada, and Europe, resulting in the fastest growing product in the company’s history and reaching nearly half of new activations.

    FinTech
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