Raymond H.

Raymond H. is an accomplished executive with extensive experience in credit-based marketing and risk management across leading financial institutions. Currently serving as Vice President and Head of Credit-Based Marketing at Achieve since 2022, Raymond has been instrumental in developing personal loan strategies and debt resolution initiatives. As an Advisor at QuaEra Insights, Raymond contributes valuable insights to drive business success. Prior to Achieve, notable roles included Chief Customer Success Officer at LendingClub and various leadership positions at Wells Fargo and American Express, where Raymond pioneered credit risk strategies, enhanced direct marketing analytics, and transformed digital acquisition approaches. Raymond's academic background includes a Master of Science in Management Science & Engineering from Stanford University and dual Bachelor of Science degrees in Business Administration and Industrial Engineering & Operations Research from the University of California, Berkeley.