Rich Franks

President Grizzly Peak Strategy LLC

Rich is President of Grizzly Peak Strategy LLC, a fintech advisory consulting firm through which he leverages more than 21 years of experience in the industry to help fintechs and financial institutions build great products and maximize returns through excellence in credit, marketing, strategy, analytics, and product execution.

Prior to founding Grizzly Peak Strategy, Rich served as Head of Credit Strategy at PayPal, where he led credit card, business lending, and buy-now-pay-later strategy. Before that, he spent nearly five years at Credit Karma, where he built and scaled Lightbox, a first-of-its-kind consumer lending marketing platform connecting banks directly with Credit Karma’s member base.

Rich has also held C-level roles at fintech startups Amount and FS Card, and led credit cards risk at the Commonwealth Bank of Australia. He started his career at Capital One, where he spent more than a decade in senior data science and credit leadership roles across cards, mortgages, home equity, and small business banking.

Rich holds a Bachelor of Science in Industrial Engineering from the Georgia Institute of Technology and a Master of Business Administration from the Wharton School of the University of Pennsylvania.