_edited.jpg

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. 

Carmel-Website-Banner-Background_edited.

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.

PLUG & PLAY CAPABILITIES

We offer a full suite of services that can be deployed right away

LOYALTY & RETAIL ANALYTICS

We have significant experience working with retailers across multiple verticals. 

BOOK A CONSULTATION

We're here to help you. 

Schedule your consultation today!