ABOUT US
OUR FOUNDER
Wale Cole has over 25 years of experience in consumer credit, data analytics & advisory services. He is a visionary leader with extensive P & L experience and a strategic thought leader with a proven track record of delivering key revenue-generating initiatives, portfolio analytics, marketing spends optimization & managing strategic partner relationships.
WALE COLE
FOUNDER
CARMEL ADVISORY LLC
He is the Principal at Carmel Advisory LLC, which provides consulting & advisory services to clients across Fintech, Consumer Lending & the Healthcare sector.
Previously, he was a Director, Decision Management within Citi Retail services, the Division of Citi’s North American Consumer Business that provides consumer & commercial credit card products, and services, and point of sale solutions to retailers across the U.S.
He was most recently the Chief Decision Management Officer (CDMO) for the $4B Specialty Partner Group (SPG) of Portfolios. He was responsible for acquisition & existing cardmember strategy and portfolio pricing. SPG includes 25+ clients across multiple verticals with name brand companies such as Shell, ExxonMobil, Brooks Brothers, Tractor Supply, Sunoco, Goodyear & American Airlines.
Prior to that, he was Head of Analytics for the $9B Best Buy Card relationship and he also led the centralized pricing team for all of Citi Retail Services.
OUR MISSION
Carmel Advisory LLC was founded for the purpose of providing high-quality marketing & customer analytics services, via our business, analytical & technical expertise. Our clients range from early-stage, growth stage to mid-sized companies in the fintech & consumer lending industry.
We aspire to be your partner of choice.