Our Team

Sanji is a seasoned finance leader with an impressive career spanning over 30 years. He brings a wealth of expertise in deal sourcing, driving revenue growth, cultivating client relationships, crafting strategic visions, and structuring complex deals.

Sanji founded Fidem Financial in 2018.  Fidem is an innovative asset management firm dedicated to helping leading financial institutions mitigate risk in their portfolios and optimize capital allocation. Under his visionary leadership, the company has successfully acquired a portfolio exceeding $15 billion in credit card and other unsecured consumer loan assets, collaborating with a diverse spectrum of investment and lending partners. 

Prior to Fidem, Sanji spent 6 years as Senior Executive Vice President of Mergers & Acquisitions at Kessler Group and served as Principal of a firm offering strategic guidance to global consumer finance businesses, focusing on realignment, acquisitions, and divestitures. In addition to these roles, Sanji was head of Card Services Global M&A at Bank of America as a Senior Vice President and as a Senior Business Analyst at DuPont.

Sanji holds a Bachelor of Business Administration in Finance from the University of Georgia, complimented by an MBA with a specialization in Finance from the prestigious University of Toronto – Rotman School of Management.

His dedication, strategic acumen, and relentless pursuit of excellence continue to drive Fidem's success in delivering unparalleled value to its clients and partners.

Jason is a seasoned payments and banking executive with more than 23 years of experience, demonstrating expertise in commercial and operational domains. He excels in strategic organizational leadership, innovation, and P&L optimization across various continents, market segments, and regulatory environments.

Before joining Fidem, Jason served as CEO of the US expansion of Home Credit Group, managing €35 billion in outstanding receivables across three continents. Under his leadership, he developed a custom BaaS lending platform integrated into Sprint POS systems, facilitating over $7 billion in loan originations and a $350 million CLV improvement. He also oversaw the creation of a digital white-label DTC lending ecosystem, which grew to over $100 million in assets within 18 months.

As Chief Payments Officer at Dynamics, Jason led the development of a cobrand card and loyalty system with Canadian Imperial Bank of Commerce and Tim Hortons, shipping over 100,000 cards in the first month.

Previously, at UMB Bank, he served as Vice President and Director of the Consumer Bankcard division, achieving a 3x growth in portfolio assets through organic channel optimization, market segmentation, and strategic M&A.

Jason holds a Bachelor of Science in biology and business, as well as an MBA in Finance.

Dale brings over 28 years of financial services industry experience, with a focus on enterprise risk management, stress testing, fraud prevention, and collections strategies. Her expertise lies in portfolio risk management, loss forecasts, credit underwriting, risk detection, and fraud prevention.

She has held senior executive positions at Predictive Analytics Group, Bank of America, Citi, and MBNA America as well as executive and strategy analyst roles in risk control, fraud, and collections at Citi Cards NA and MBNA America.

At Bank of America, she oversaw fraud and credit risk management for a $400 billion consumer portfolio and managed loss forecasts, stress testing, and loan loss reserve forecasts for a $150 billion credit card portfolio. Dale holds a bachelor’s degree from the University of Richmond.

Chris has complete technology platform security and operational accountability for Fidem Financial’s Managed Services Business Unit with focus on driving innovation and performance for credit and consumer loan management.

Prior to Fidem, Chris was SVP of Worldwide Alliances & Channel sales at Alert Logic, a leading global cyber security platform provider. In his role, his responsibilities included development of the global channel strategy for the company and execution of the go-to-market plan including P&L ownership for the hosting and MSP managed services business unit.

Before Alert Logic, Chris in his role as Chief Revenue Officer at TRAX Technologies, was responsible for executing the TRAX direct go-to market strategy to scale the organization and solidify TRAX technologies’ position as the market leader in cloud-based supply chain analytics platforms.

Chris has also held senior sales executive roles in leading data center and cloud technology companies such as Equinix, ViaWest, Rackspace Hosting, & Extreme Networks.

Chris holds a Master’s in Computer Science from Georgia State University. Additionally, he has served as a Contributor for Analyst Reviews & Panels including Gartner, IDC, Forrester, and the Penton Group.

Gerard is a seasoned finance executive with over 28 years of experience in finance, M&A, strategy, business development, and operations.

At Fidem, he manages the finance platform, overseeing financial reporting, analysis, cash management, and operations, and plays a pivotal role in post-deal financial operations for debt and equity holders and special purpose investment vehicles.

Before joining Fidem, Gerard worked at AHPP, focusing on consumer lending loan portfolio M&A and valuation modeling on credit card portfolios in excess of $5 billion. Previously, he served as Director FP&A at FMC Inc, also acting as CFO of the Health and Nutrition segment and driving strategic acquisitions. Gerard has also held senior financial roles at Ericsson Inc and led numerous consulting engagements for the office of the CFO with KPMG.

Gerard is a Chartered Accountant from New Zealand and holds a BSc in Applied Economics and Business Management from Cornell University, as well as an MBA from Drexel University.

Jeff is a senior business development and finance leader with more than 24 years of credit card industry experience, concentrated in mergers and acquisitions, programs and deal structuring, financial analysis, and business optimization.

Having previously served as VP of Finance for Onboard Partners, Jeff returns to Onboard as SVP of Finance. Prior to rejoining Onboard, Jeff led the Pricing team and built the Mergers and Acquisitions capability at Bread Financial; as a result, he was responsible for all deal-related economics for all new and renewal programs as well as any acquired portfolios while at Bread.

Prior to that, Jeff worked for five years as a Senior Director of Corporate Finance for Barclaycard, with lead responsibility for $4 billion of credit card transactions in both the US and Europe. Jeff has also served as a Senior Consultant for First Annapolis Accenture and as a Business Product Lead and Head of Business Development for Co-Brands and Affinities for Capital One.

Jeff earned an AB in Economics from Duke University and an MBA in Finance and Strategic Management from the Wharton Graduate School of Business at the University of Pennsylvania.

Shanu leads Corporate Development with a focus on Fintech at Fidem. With extensive experience in Corporate Development, Strategy, Investments, and Partnerships, Shanu has worked across a range of financial services companies and venture-backed startups, managing deals ranging from $20 million to over $1 billion.

Effectively managing the entire deal process, from sourcing new business opportunities to negotiation and execution, Shanu is a trusted partner for senior leaders.

Having lived and worked in the US, Europe, India, and China, Shanu possesses a deep understanding of global ecosystems, working closely with investors, entrepreneurs, and thought leaders. She values cultural diversity and brings a global perspective to her work.

Shanu holds a Master’s degree in Business Administration from Stanford University, a Master’s degree in Finance from the University of Illinois at Urbana Champaign, and a BA (Honors) from the University of Delhi.

Tony is a strategy and corporate development executive, with over 20 years of experience, who has consistently delivered profitable growth, accomplished at identifying and capitalizing on market opportunities to produce superior economic results.

Prior to joining Fidem, Tony served as Managing Director and Head of Card and Personal Lending Strategy at Wells Fargo, where he helped drive transformational growth within the consumer lending businesses. Tony was also the Managing Director in Grant Thornton’s Strategy & Transaction’s practice, where he built a payments-focused advisory group serving clients across card issuing, payment networks, money transfer, and merchant services.

Earlier in his career, Tony was the Head of Strategy and Corporate Development at Barclaycard US and Head of Strategic Planning and M&A at ING DIRECT USA, where he collectively executed $100 billion of M&A transactions.

Across every role, Tony has demonstrated a consistent ability to align vision with execution, leveraging both rigorous analysis and cross-functional leadership to deliver sustainable results. He brings a rare combination of strategic foresight, financial acumen, and operational rigor to every transaction we execute.

Tony is a graduate of Bucknell University with a Bachelor of Arts in Economics and is active on several non-profit boards in the Delaware area.

With 30 years of experience as a commercial and marketing leader, Rachana brings brand-building expertise and customer innovation across consumer goods and financial services.

As Chief Marketing Officer of Fidem Financial, she leads brand strategy, customer acquisition, and partner marketing. She develops intelligent marketing systems that leverage data and AI to personalize engagement, enhance creativity, and accelerate growth.

Rachana has delivered innovative product launches and scaled billion-dollar portfolios across leading institutions. At PNC Bank, she served as Executive Vice President and Head of Unsecured Lending, growing the business to $11 billion while delivering record profitability. As Managing Director and Head of U.S. Branded Cards at Barclays, she created the acclaimed Arrival travel card and tripled the portfolio to $6 billion.

At JPMorgan Chase, she launched Chase Blueprint and introduced Chase Slate, applying data-driven marketing to accelerate acquisition and engagement. At Capital One, she pioneered the No Hassle Platinum Card, transforming the brand’s market position.

Her career began in brand management at Procter & Gamble, where she grew iconic consumer brands, building the customer-centric foundation that defines her approach to financial services.

Beyond her executive role, Rachana serves on the board of an AI company, advising on strategies that leverage AI to transform business performance and innovation.

She earned her M.B.A. from The Wharton School and completed the Jerome Fisher Program in Management & Technology at the University of Pennsylvania, earning dual degrees in Economics from Wharton and Systems Engineering from Penn Engineering.

Rachana's combination of consumer brand expertise and financial services leadership positions Fidem to deliver breakthrough products and lasting value for customers and partners.

Brittany joined Fidem in July of 2022 as our Credit & Operational Risk Analyst. She brings with her 10+ years of experience in portfolio risk reviews, risk mitigation, policy & procedure creation, project management, and operations management. She is responsible for due diligence reviews, establishing credit & operational risk policies, vendor risk management, investigating credit & operational risk management issues, and monthly risk deliverables.

Prior to Fidem, Brittany held risk-related roles at J.P. Morgan & Chase Bank as well as retail roles at TD Bank. She was selected for a Job Enhancement Program (JEP) and chosen by her peers & management to be a Subject Matter Expert (SME) for a company-built system. She was selected for many other projects including risk investigations, policy & procedure creations, and process improvements.

Brittany is continuing her education after completing her Associates in Applied Science for Business at Delaware Technical & Community College. She is pursuing her Bachelor’s degree with Wilmington University and Six Sigma Certification.

Chris brings over a decade of leadership experience in building project teams for financial services and fintech spaces.


Prior to Fidem, Chris held principal roles in developing and managing processes to improve organizational efficiency. Most recently at Caliber Financial Services, Chris developed a project management office (PMO) and processes to help the organization better balance their work pipelines to achieve more predictable delivery with better alignment to organizational goals. In other roles in the past, Chris led project management on mobile banking products for Zytara, process improvement for the credit union P1FCU, and a wide portfolio of projects for Home Credit US.
 

Chris holds an M.S. in Computational Mathematics (University of Arkansas), a B.S. in Mathematics and Computer Science, and a Project Management Professional certification from the Project Management Institute.

Dinesh is responsible for Fidem’s expansion in Asia.

Prior to Fidem Dinesh was engaged in Consulting, Advisory and Due Diligence roles in Asia, North America and the UK since exiting as the Founder/CEO of SYNAPSYS - DFCC Bank’s FinTech subsidiary. He brings over 30 years of experience in Mission-Critical systems spanning multiple countries.

As Group CIO of DFCC Bank, Dinesh was responsible for the creation of a Shared Services Group IT operation that revamped the entire IT Infrastructure and Core Banking Systems across multiple financial institutions. His mandate was to unify disparate IT operations and elevate FIs to a standardized unified platform.

Dinesh has considerable CXO experience in software product development, integrating mission-critical systems and consulting for multi-national corporations including American Express, Federated Department Stores, Virgin, Bell Canada and Nestle.

Initiatives have spanned North America, Europe, the Middle East, Africa, Asia and the Pacific and he has bridged multi-national companies and local citizens, including Financial Services, Mobile Operators, Telcos & Regulators.

Dinesh studied for a B.Sc. in Computer Science and M.Sc. in Computer Science at the University of Wyoming, with a focus on AI/ML.

Doug has primary security and operational responsibility for Fidem Financial’s Managed Services Business Unit with a focus on ensuring business alignment, effective governance, system and product availability and uptime, integrity and confidentiality.

Prior to Fidem, Doug was Director of Strategic Security Partners at Alert Logic, a leading global cybersecurity platform provider.  In his role, Doug had overall accountability for Alert Logic’s joint security operations, responsibility for strategic managed detection and response partnerships globally, associated executive relationships and sales efforts, and the partners’ security operations capabilities. 

Before Alert Logic, in his role as Director at ViaWest, a leading data center company, Doug was a core member of the launch team that developed and successfully launched a comprehensive security portfolio delivering compliance solutions for PCI & HIPAA managed cloud hosting and compliant colocation.

Doug has also held senior roles in leading data center and cloud technology companies such as Equinix and Rackspace.

Doug holds a Bachelor of Science in Mechanical Engineering from the University of Texas.  He lives in Austin, Texas with his wife Kathy and their 4 sons.  Doug is active in the community and has volunteered in leadership roles in organizations such as Boy Scouts and Little League Baseball.

Elizabeth is an Accounting Manager who oversees the day-to-day financial reporting, analysis, and cash management/reconciliation at Fidem Financial.  Additionally, Elizabeth manages and coordinates lender compliance and covenants as well as external audit, tax, and review engagements.  

Prior to Fidem, Elizabeth worked in private industry, TIFF Investment Management, and public accounting, EisnerAmper LLP.   Elizabeth is a Certified Public Accountant and earned her Bachelor of Science at St. Joseph’s University where she majored in Accounting and Finance.

Graham leads Fidem activities related to Product Strategy, Value Proposition Design, and Marketing.

Prior to Fidem, Graham helped build and launch the new Merchant Processing Platform for Bank of America created as a result of the dissolution of the Joint Venture with FISERV.  In this role he helped design go-to-market strategies for Merchant Services product offerings and built the Strategic Data Platform for the newly launched business.  Before Bank of America, Graham held successively senior leadership roles at TD Bank and American Express in both Issuing and Acquiring businesses with ownership of Customer Acquisition, Pricing, Product Strategy, Competitive Intelligence, Marketing Effectiveness, Investment Optimization, and Reporting & Analytics.

Graham holds a Bachelor of Science in Finance from West Chester University of Pennsylvania.

James brings over a decade of experience in the financial services and consumer credit space.  While leading teams at large card issuers such as Citibank, Genesis Financial Solutions, and Home Credit US, his responsibilities and expertise have traversed collections, recovery, portfolio conversions, and the oversight of complex processing systems.

Over the past six years specifically, James has maintained ownership of Business Systems, providing strategic guidance on product and platform setup to support enterprise initiatives. Whether building a card program from the ground up, enhancing an existing program’s loyalty program, or layering on additional fraud protection measures, James has mastered the art of providing flexible solutions that reduce speed to market while maintaining regulatory compliance. Additionally, James has established and chaired organizational change management committees – a role he has been well placed in due to his innate knowledge across the entire payment card business.

Jessica joins Fidem with over a decade of experience in the payments and fintech space. Bringing with her a wealth of knowledge regarding payment and processing systems, product innovation, loyalty solutions, CRM, and portfolio optimization.

Prior to Fidem, Jessica held roles at large institutional firms such as Morgan Stanley and HSBC, as well as dynamic, innovative start-ups such as Serverside, the original provider of design on demand card technology. Most recently, Jessica oversaw the development of a proprietary mobile banking product for Zytara, successfully bringing the product to market in under a year. Prior to that, Jessica was responsible for product and portfolio management for the US division of Home Credit Group, a global banking and lending organization. During her tenure at Home Credit, she was accountable for the launch and growth of their US product suite, inclusive of consumer credit card and installment offerings. Through carefully targeted acquisition and lifecycle campaigns, the portfolio grew from start up to $100 million in assets within 18 months.

Jessica holds a BBA in International Business from Florida International University and MSC in Corporate Social Responsibility from the University of Nottingham.

Joseph is a Senior Accounting Manager who oversees the day-to-day financial reporting, analysis, and cash management/reconciliation at Fidem Financial.  Additionally, Joseph manages and coordinates lender compliance and covenants as well as external audit, tax, and review engagements. Joseph plays a crucial role when onboarding new business to the existing managing platform and analyzes operational impacts of prospective new deals.

Prior to Fidem, Joseph worked in public accounting for PwC as an Auditor in the Philadelphia Asset Management practice, where he was a valued and heavily relied on member for several audit engagements.  In this role Joseph, performed analytical analysis, reviewed transactions, key controls and supporting documentation as well as coached less experienced staff.

Joseph is a Certified Public Accountant and earned his Bachelor of Science at La Salle University where he majored in Accounting and minored in Risk Management.  Additionally, Joseph is enrolled in a part-time MBA program at La Salle University and is on track to graduate in 2023.

Jordyn comes to Fidem with a background in financial services and fintech.  With more than a decade in payments, she has been involved in nearly every aspect of credit cards but specializes in digital product management and strategy.

Previously, Jordyn held roles as Product Manager at a local Kansas City bank, nbkc, and a start-up healthcare credit card, Wellbridge Care Card, where she managed the portfolios and the details of the product make-up.  Before that, she was at Zytara, LLC, where she launched a digital-first prepaid debit card tailored for gamers, by establishing and managing the vendors, integrations, and support teams necessary to support the customer facing mobile app. Her career is marked by impactful roles at Genesis Financial Solutions and Home Credit US, where she led digital product enhancements and steered cross-functional teams to grow digital servicing to the number one servicing channel.

Jordyn has an MBA from Northwest Missouri State University and a BS in Business Administration from the University of Central.

Lexi joined Corporate Development as a senior analyst responsible for conducting financial analysis, loan and deal modeling, valuations, due diligence, and contract related activities.  In addition, she supports the execution of consumer finance deal investments and assists in the management activities of the company and its business partners.

Lexi brings a decade of experience in data modeling and analytics. Prior to Fidem, she was responsible for business budgeting and forecasting, partnership and portfolio valuations, and strategic planning at several PE backed startup firms, ranging from small business loans, credit cards, and equipment loan financing, most recently as a VP of FP&A.   Before that, she worked as a senior financial analyst for Bridgewater Associates, and as a financial analyst at Terex.

She holds an MBA with a concentration in finance from New York University and is a CFA Level 3 candidate.

Prior to working for Fidem, Rachel worked as the Executive Assistant to the President and CEO of Philadelphia Sign Company (PSCO). PSCO is a full-service sign manufacturer specializing in branding and conversion programs for well-known clients such as Chase Bank, First National Bank, Truist, Huntington Bank among other National Brands. While there, she managed the front office as well as major company accounts like American Express, TMobile and Enterprise for all employees. Rachel is skilled within the corporate business environment specializing in organization, expense management, travel, account management and day-to-day operations.

Rachel earned her Associate of Science degree in Social Science from Virginia Peninsula Community College and earned her Bachelor of Science Degree from Rutgers University where she majored in Business Management.

Ritt is a compliance risk analyst with 4+ years of experience in his field. His responsibilities include internal monitoring, compliance testing, strategy recommendation, and prevention of violations of law, rule, and regulation or the company and its vendors. 
 
Prior to Fidem, Ritt was a compliance analyst at WSFS Mortgage where he reviewed every loan to make sure the fees and structure remained compliant to government regulations. 

Ritt is a graduate of Penn State University where he obtained his BS in Finance with a minor in Supply Chain and Information Systems Technology. While at Penn State he was a member of International Business Association and Sports Business Club and got the opportunity to study abroad in Florence, Italy. 

When Ritt isn’t working he enjoys spending time with his wife, watching and playing sports, and seeing movies.

Stephen is a Senior Accounting Analyst with nearly 5 years of accounting experience in various roles.

Stephen oversees day-to-day accounting operations, including; but not limited to: daily reporting, monthly reporting, cash management and reconciliation. Prior to Fidem, Stephen worked in both auditing and operational accounting roles within the financial services industry.

Stephen earned his Bachelor of Science at La Salle University in Philadelphia where he majored in Accounting and minored in Economics.

Tara brings 20 years of experience as an administrative professional, with over a decade spent supporting C-suite executives across a range of industries. As the executive assistant at Fidem Financial, she provides reliable, thoughtful support to the leadership team.

Tim is a Senior BSA Compliance Analyst with 7+ years of BSA/AML experience in various roles. His responsibilities include investigating potential suspicious activity, referring suspicious activity to the partnered bank, drafting BSA/AML policies and procedures, and ensuring company compliance with all applicable regulators.

Prior to joining Fidem in August of 2024, Tim worked his way up rapidly in the casino industry in Atlantic City, New Jersey where he started as a Casino Cage Supervisor at Caesar’s Casino in December of 2017. Most recently, Tim was the Regulatory Compliance Manager at Bally’s Atlantic City Casino where he was responsible for the company’s BSA/AML program and ensured company compliance with the New Jersey Division of Gaming Enforcement and FinCen.

Tim earned his Bachelor of Science at East Stroudsburg University where he majored in Business Administration.

As a Senior Manager in Business Development, Vay is responsible for financial analysis and business optimization of managed portfolios as well as assisting head of business development in program and deal structuring for new business. Prior to his current role Vay was responsible for overseeing the day-to-day financial reporting, analysis, and cash management/reconciliations as a part of the accounting team.

Prior to Fidem, Vay worked in public accounting for PwC as a Senior Auditor in the Philadelphia Asset Management practice, where he was a valued and heavily relied on member for audit engagements.  In this role Vay, performed analytical analysis, reviewed transactions, key controls and supporting documentation as well as coached less experienced staff.

Vay is a Certified Public Accountant and earned his Bachelor of Science at La Salle University where he majored in Finance and Accounting.