Curriculum Vitae

Neil Chowdhury

Director of Product Management · New York, NY

Available · 2026

Product & engineering leader for revenue-critical financial systems.

15+ years in regulated financial services scaling revenue-critical systems for a $1B+ consumer finance business — including platforms supporting $8B+ in enrollment volume. I work at the intersection of product strategy, engineering execution, CRM architecture, MarTech, lead routing, conversion infrastructure, AI/automation, and executive decision-making.

Known for translating ambiguous business goals into durable systems, measurable outcomes, and cross-functional operating models.

$8B+
Enrollment volume supported
$2M+
Annual engineering investment directed
200%+
Conversion match-rate improvement
90%+
Duplicate credit pull reduction
02Career

Experience.

Director, Product Management

National Debt Relief · New York, NY

Apr 2022 — Present

Owned product and engineering strategy for revenue-generating systems at a $1B+ consumer finance company, supporting $8B+ in enrollment volume across Salesforce CRM, dynamic bidding, lead routing, contact centers, MarTech, application lifecycle, partner integrations, and conversion infrastructure.

  • Directed $2M+ in annual engineering investment across distributed teams — roadmap, sprint planning, QA gating, release readiness, and executive reporting.
  • Rebuilt Google and Facebook conversion tracking, improving match rates 200%+ and strengthening paid channels that drove ~$4B in enrolled debt in 2025.
  • Led the Dynamic Bidding Engine launch with NerdWallet — first month delivered 25% enrollment lift and 26% CPA reduction ($6M @ 6.12% → $7.5M @ 4.54%).
  • Modernized Lead API to reject duplicate credit pulls and partner leads — 90% reduction (~1,000/day → 100/day) and 1,000+ duplicate leads eliminated daily.
  • Reduced Lead API response latency 80% (~2,500ms → 500ms), unlocking higher-converting digital experiences.
  • UX optimization unlocked a 34% lift in consolidation loan volume — six-figure revenue from a single high-leverage change.
  • Led Application Flow modernization and enrollment redesign — foundational infrastructure for digital enrollment, automation, and AI integration.
  • Institutionalized a stronger product-engineering operating model: QA gates, release monitoring, alignment cadences, delivery governance.
  • Partnered with owners, presidents, CTO, CRO, CSO and cross-functional leaders to translate business intent into executable roadmaps.

Senior Product Manager

Capital One · New York, NY

Oct 2021 — Apr 2022

Executed Commercial Banking MarTech and Salesforce initiatives across Sales, Marketing, Client Experience, Events, and Analytics.

  • Integrated Medallia NPS/CSAT data into Salesforce, giving relationship managers real-time visibility into customer experience signals.
  • Redesigned and promoted CAMP — Commercial Banking MarTech project management app; became source of truth within three months.
  • Delivered Salesforce enhancements supporting email marketing, one-to-many comms, event tracking, and RSVP logic.

Product Manager

National Debt Relief · New York, NY

Nov 2018 — Oct 2021

Led product delivery across Salesforce CRM, website, client experience, ML implementation, document automation, contact center modernization, and operational systems.

  • Cross-functional Salesforce, contact center, and ML scoring delivery supporting millions of leads, 250,000+ clients, and 2,500+ internal users.
  • Client enrollment redesign: +$6M monthly enrollment volume, +3% conversion, $1M+ annual operating cost reduction.
  • Implemented ML lead-prioritization models — sales development conversion 5%→7% (+40%) and core sales conversion 12.5%→13% (+4%).
  • Automated document processing workflows, accelerating time-to-enrollment.
  • Supported client portal redesign, full-service sales app for new product launch, and migration to Twilio Flex.

Recruiting Manager

National Debt Relief · New York, NY

Sep 2017 — Nov 2018
  • Led recruiting strategy and operations across NY, NV, CA, and the Philippines during high-growth scaling.
  • Managed ~20 person team and $1.5M annual budget — helped scale headcount from ~750 to 1,500.
  • Reduced time-to-hire 30%+; improved cost-per-application and cost-per-hire (some reductions exceeding 450%).
  • Designed pre-employment testing program contributing to record retention.

Sales Manager

National Debt Relief · New York, NY

Nov 2016 — Aug 2017
  • Managed performance infrastructure for a 50-agent sales org producing $50M–$75M in monthly enrollment volume.
  • Built sales performance models across revenue, conversion, compliance, talk time, approval, and clear rates.
  • Used analytics to inform team restructuring, improving departmental KPIs and productivity.

Sales Team Lead

National Debt Relief · New York, NY

Dec 2014 — Oct 2016
  • Led an 8-person sales team generating $5M–$10M in monthly enrollment volume.
  • Drove team performance through structured coaching, KPI tracking, and process optimization.
  • Built forecasting and performance tools used by sales leadership.

Sales Consultant — IAPDA Certified

National Debt Relief · New York, NY

Nov 2013 — Nov 2014
  • Converted 1,000+ clients and personally generated $25M+ in enrollment volume.
  • Top 2% for enrollment volume and top 5% across core KPIs as an individual contributor.

Operations Associate

Mega M LLC · New York, NY

Jun 2011 — Oct 2013
  • Supported operations for a First Data ISO managing 2,500+ merchant accounts and $250M+ in annual payment volume.
  • Built reconciliation tooling uncovering hundreds of thousands in payment variances.
03Selected wins

Outcomes.

+25%

Enrollment lift in first month of Dynamic Bidding Engine

−26%

CPA reduction on NerdWallet partner channel

+34%

Lift in consolidation loan volume from a single UX change

+40%

Sales development conversion via ML lead prioritization

−90%

Daily duplicate credit pulls from Lead API modernization

+$6M

Monthly enrollment from client experience redesign

04Academic

Education.

CUNY — John Jay College

Bachelor of Arts, Forensic Psychology

Graduated with Honors

CUNY — Baruch College

Additional Coursework

Business Law, Accounting, and Management Systems

05Toolkit

Skills & certifications.

Core Platforms

Salesforce CRMMarketing CloudService Cloud VoiceEinstein / TableauMuleSoftFive9TwilioJiraConfluenceFigmaMiroSQLMicrosoft 365Google Workspace

Domains

Revenue OperationsCRMMarTechLead RoutingDynamic BiddingPaid Media Conversion (Google/Meta)Application LifecycleAI / AutomationChatbot / VoicebotML Model IntegrationCROPartner IntegrationsCompliance OperationsMulti-Bureau Credit InfrastructureContact Centers
06Side projects

Built with LLMs.

Three small web apps I shipped end-to-end — prompted, coded, deployed, and domain-wired myself. Each one is a study in how far a clearly articulated idea can travel with an LLM as the engineer.

NeilGPT

OpenAI · ElevenLabs · Python · Flask · Heroku

Chatbot that responds in my cloned voice.

Type a prompt, hear a reply in my voice. ChatGPT generates the response, ElevenLabs renders it through a clone of my voice, and the audio plays back inline.

Neil's Mind Reader

Python · Flask · VADER · Heroku

Sentiment analysis in a single text box.

Enter how you feel and the app classifies sentiment as positive, negative, or neutral with a matching expression. A minimal proof that useful tools don't have to be complex.

Neil's Crystal Ball

HTML · CSS · JavaScript · Heroku

Impact × Effort prioritization calculator.

Pick impact and effort from dropdowns and the app returns a value tier from a 5×5 prioritization matrix — the same mental model I use to triage product work.

Let's talk

Open to product leadership roles.

Get in touch

© 2026 Neil Chowdhury · neilchowdhury224@gmail.com · 646-421-3603