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Alexander Cesaro

@alexandercesaro

Credit risk leader at Citizens Bank who stabilized small business lending and cut a $50MM annual loss projection by $8MM.

United States

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At Citizens Bank, I owned second-line credit risk across a $1.2Bn small business portfolio and jointly covered a $4Bn commercial portfolio. I stabilized small business lending and reduced a $50MM annual loss projection by $8MM.

At Goldman Sachs, I developed collections campaigns that reached $1Bn+ and increased delinquent customers enrolling in payment assistance by 5%. I also contributed to Apple Pay Later and served as credit lead for Apple Card Family.

Earlier, I helped deliver Apple Card to market at Goldman Sachs and managed credit strategy at Citizens Bank. At Synchrony Financial, I provided portfolio P&L projections for IPO due diligence and quantified macro risks for capital allocation and stress testing.

Experience

Work history, roles, and key accomplishments

Head of Credit Risk – Business Banking

Citizens Bank

Jul 2024 - Sep 2026 (2 years 2 months)

Owned second-line credit risk across $5.2Bn portfolios, stabilizing small business lending and reducing loss projections by $8MM. Directed risk coverage through leadership changes and analyst turnover.

Credit Risk Portfolio Management Underwriting Risk Analytics Data Architecture Machine Learning Line Assignment Payment Controls

Vice President – Credit Risk & Platform Solutions

Goldman Sachs

Dec 2021 - Jul 2024 (2 years 7 months)

Developed business cases for collections campaigns and optimized communications across channels, reaching $1Bn+ in new initiatives. Consulted for Apple Pay Later and led credit for Apple Card Family.

Credit Risk Collections Campaign Management A B Testing Policy Development APIs Credit Analysis Apple Pay Later Apple Card

Associate – Marcus: by Goldman Sachs

Goldman Sachs

Apr 2018 - Dec 2021 (3 years 8 months)

Delivered Apple Card to market as a member of the Credit Squad, developing and implementing go-to-market credit policy. Owned credit vendor relationships including contract terms and pricing.

Credit Policy Underwriting Vendor Management Product Launch Risk Management

Retail Credit Manager – Consumer Credit Cards & Unsecured Lending

Citizens Bank

Oct 2014 - Apr 2018 (3 years 6 months)

Managed credit strategy execution for the $1.5Bn consumer credit card portfolio and launched Citizens consumer unsecured lending business with Apple's iPhone Upgrade Program, originating $1Bn in loans.

Credit Strategy Portfolio Management Product Launch Partnership Management Unsecured Lending

Associate – Loss Forecasting & Capital Allocation

Synchrony Financial

Jul 2011 - Oct 2014 (3 years 3 months)

Provided P&L projections for 10+ private label credit card portfolios as part of Synchrony's IPO due diligence. Quantified macro risks as inputs to capital allocation models and stress testing scenarios.

Loss Forecasting Capital Allocation Performance Testing P&L Analysis Risk Modeling