Michael Krafft

CEO

San Francisco, California, United States19 yrs 4 mos experience
AI EnabledAI ML Practitioner

Key Highlights

  • 15+ years in fintech and consumer product leadership.
  • Drove $2.2B+ in incremental charge volume at American Express.
  • Successfully launched multiple AI-powered products.
Stackforce AI infers this person is a Fintech product leader with a strong focus on AI and user experience.

Contact

Skills

Core Skills

Product LeadershipAi-enabled Product DevelopmentAi-driven Product DevelopmentMachine LearningSaasFintech

Other Skills

Artificial Intelligence (AI)Growth StrategiesRevenue & Profit GrowthDigital StrategyStartupsProduct DesignMobile ApplicationsLeadership DevelopmentExperimentationUser Experience (UX)Team LeadershipProject ManagementProblem SolvingP&L ManagementCommunication

About

Product leader with 15+ years shipping fintech and consumer products at the intersection of applied AI and high-craft UX. Known for taking complex, regulated platforms and driving measurable transformation — from platform modernization to net-new capability launches — with two successful exits along the way. My recent work centers on applied AI: I conceived and launched an LLM-powered concierge at FoundersCard (370% lift in benefit engagement) and built an AI trader coaching platform at NinjaTrader from 0→1. Earlier, I spent 10 years at American Express leading global acquisition and engagement platforms across 19 international markets — driving $2.2B+ in incremental charge volume and significant CAC and LTV improvements. Areas of expertise include: Product strategy & discovery · AI-enabled product development (LLMs, personalization) · Growth & monetization · Experimentation & analytics · Fintech & consumer platforms · B2C and B2B · Go-to-market & lifecycle

Experience

19 yrs 4 mos
Total Experience
3 yrs
Average Tenure
1 yr 1 mo
Current Experience

Founderscard

Head of Product

Apr 2025Present · 1 yr 1 mo · New York, United States · On-site

  • First product leader hired by Founder/CEO with direct ownership of growth, monetization and AI-powered product strategy for a 250K-member premium benefits subscription platform.
  • Key accomplishments:
  • ► Drove ~$xM in annualized incremental profit (+28% YoY) through product and monetization improvements, including a core funnel redesign that delivered multiple 40%+ conversion and upsell lifts.
  • ► Conceived, designed, and launched an LLM-powered AI Concierge to improve benefit discovery and redemption; AI users were 80% more likely to redeem benefits and redeemed ~3.7× more benefits per visit
  • ► Re-envisioned FoundersCard flagship ‘Elite’ product, defining strategy, roadmap, benefit mix, lifecycle communication, and UX enhancements grounded in NPS, usage, and unit economics to drive ARPU and renewal.
  • ► Led FoundersCard rebranding and experience redesign, including public website and member dashboard, clarifying premium value proposition and establishing a scalable design foundation.
  • ► Partnered with LinkedIn on an embedded FoundersCard benefit within LinkedIn Premium, owning product positioning, experience design, and measurement to expand reach and acquisition
Artificial Intelligence (AI)Growth StrategiesRevenue & Profit GrowthDigital StrategyStartupsProduct Design+4

Ninjatrader

Vice President, Product & Design

Jan 2024Apr 2025 · 1 yr 3 mos · New York, NY

  • Acquired by Kraken - March 2025
  • Led a 25-person team (Product, Design, UX Research, TPM, Product Analytics) driving the evolution of the world's largest retail futures trading platform, serving 1.9 million users globally.
  • Key accomplishments:
  • ► Drove rapid product modernization and innovation in support of the company’s $1.5B acquisition, including launching a new mobile app (4.6★) and a redesigned web platform on a unified visual identity and design system.
  • ► Designed and spearheaded an AI-driven trader development and engagement experience (launched June 2025), using recommendations, coaching, and education tooling to improve trader outcomes, mitigate risk, and drive engagement.
  • ► Scaled the Product & Design organization from 12 to 25, and implemented a stronger product-led operating model (north-star metrics, domain-oriented squads, clearer prioritization), materially improving execution reliability and on-time delivery.
  • ► Pricing: Led development and rollout of GTM pricing aligned through user interviews, pricing sensitivity analysis, and competitive assessment - projected to increase ARPU on new customers by xx%
Leadership DevelopmentExperimentationFinTechUser Experience (UX)Artificial Intelligence (AI)Product Leadership+3

Trueml

Vice President & Head of Consumer Product & Design

Jan 2022Jan 2023 · 1 yr · New York, New York, United States · Remote

  • Led TrueML’s core customer-facing applications and ML-powered decision engine, transforming debt resolution for 25M+ consumers. Managed Product, Design, Analytics, Content, and Channel Operations teams.
  • Key Accomplishments:
  • ► Strategic leadership: Defined 3-year company strategy, defining clear goals, KPIs and OKRs. Instituted Product & Engineering-wide planning process to drive prioritization & org alignment
  • ► Profitable growth: Oriented the product team around ROI and client- and initiative-level profitability:
  • Exceeded revenue forecast during tax season (our Super Bowl) by 8% - powered by 75 targeted email/SMS campaigns and a 250% increase in SMS sends, driving a 450% ROI
  • Drove 99% email and SMS deliverability rate through automated data cleansing, reputation building, domain optimization
  • ► Machine learning: drove efficiency of platform and improvement to consumer experience:
  • Spearheaded the build and integration of outbound dialing as a machine learning-driven component within TrueML's intelligent omni-channel communication strategy. Revenue impact of $530K in 2024.
  • Enhanced TrueML machine learning models to provide optimized payment plan terms to consumers, driving 38% lift in payor rate; Delivering AI-powered voice capability for caller authentication and webchat to drive $500K-$1M in annual cost savings.
  • ► Scalability: Expanded core platform capacity by 114% (to 30m concurrent accounts) to accommodate the acquisition of ERC, including a 50% lift in email and SMS throughput
Problem SolvingsaasP&L ManagementLeadership DevelopmentCommunicationFinTech+8

Alight solutions

Vice President, Product & Design

Jan 2020Jan 2022 · 2 yrs · New York, United States

  • Alight went public in 2021
  • Led Alight’s digital experience for 30M+ users, powering 200M+ interactions annually. Oversaw product for a $3B SaaS business supporting 50% of the Fortune 500. Managed Product, UX Design and Research, Product Ops, & Client Success
  • Some key contributions from my time in this role:
  • ► IPO & transformation: Led Product & Design team through 2021 IPO ($7B valuation):
  • Developed and launched Alight Worklife™ platform, a flagship AI-powered engagement platform deployed to 100% of clients :
  • Improved CSAT by 7% and cut “high effort” score cut 50% within 3 months
  • ► Team growth & transformation: Scaled the team from 20 to 75+ ; instituted OKR framework, enterprise product roadmaps, agile product and operations processes; modernized design function to increase velocity by 65%
  • ►Innovation: highlights include:
  • Launched new 4.8 star mobile app (up from 3.0 stars), increasing avg annual sessions from ~1 to ~14
  • Drove AI personalization adoption from 400K to 2.2M users (220% lift in conversions)
  • Reduced average client deployment time from 50 hours to 5 hours
Problem SolvingsaasP&L ManagementB2B2CLeadership DevelopmentCommunication+12

American express

4 roles

Vice President, Product Management - Digital Commerce

Promoted

Jan 2019Jan 2020 · 1 yr

  • Led global team of 30+ with responsibility for driving digital engagement across Amex’s customer channel experiences, including product development across loyalty, benefits, offers and Amex’s multi-channel personalization capabilities. Led efforts to re-imagine American Express' high yield savings account including vision/strategy, discovery, UX, requirements
  • Key Accomplishments:
  • ► Launched Amex Offers partnership with Groupon, increasing available offers 20x
  • ► Built innovative cardholder spend accelerator program that drove persistent stepwise increases in cardholder spend and >20% lift in customer lifetime value (LTV) for enrolled users
  • ► Spearheaded a high-yield savings account innovation / modernization plan, projecting $20M+ in savings
Problem SolvingLeadership DevelopmentCommunicationFinTechTeam ManagementMarket Analysis+8

Senior Director, Product Management - Prospect Web

Jan 2015Jan 2019 · 4 yrs

  • Spearheaded E2E product management efforts in multifaceted roles as team lead for International Consumer Card Shop prospect acquisition sites (‘15-’17) and Global Commercial Card Shop prospect acquisition experiences (‘17-’19).
  • Some key contributions:
  • ► Generated over $2.2B+ increase in charge volume through build and rollout of three new consumer sites to seven markets and build of a new unified global commercial card shop experience.
  • ► Launched 90+ A/B and multi-variate tests, including new pages, features, and user paths, translating detailed site analytics and performance data to new device-specific ideas.
  • ►Organized countless usability testing sessions in five countries; listened to sales calls, and instituted Voice of Customer (VOC) concepts on prospect website.
  • ►Drove significant page load improvements with an average of a 35% reduction in weight and load time by identifying and removing blocking scripts and compressing images.
  • ►Delivered 12% charge volume increase through deployment of channel strategies and big data personalization capability in partnership with the site analytics team.
Problem SolvingLeadership DevelopmentCommunicationFinTechTeam ManagementMarket Analysis+4

Director, Product Management, International Consumer Cards

Promoted

Jan 2012Jan 2015 · 3 yrs

  • Led comprehensive product and marketing strategy for partner-issued, bank-branded cards representing $190B in company billings across 160 countries. Defined benefits and servicing promise based on consumer research, market insights, as well as competitive analysis and continuously aligned with key stakeholders to ensure buy-in. Supervised a five-member team and two indirect reports.
  • Some key contributions from my time in this role include:
  • ► Led development of a super-premium card tier that delivered $2B in incremental global premium card billings (comprised of 15 product launches); built product value proposition, branding, digital platform, sales, and customer experience.
  • ► Headed initiative to bring 30+ international products across four markets with flawed embedded bonusing into compliance.
  • ► Defined user experience for the white label digital platform for consumer benefit delivery, deployed in 10 countries; built “how to” guide for AXP partner banks to launch websites.
  • ► Established market-level product line strategy and implemented product actions through localization of centrally-developed benefits, digital capabilities, communications assets, servicing, and customer experiences in collaboration with local teams.
Problem SolvingLeadership DevelopmentCommunicationFinTechTeam ManagementMarket Analysis+3

Senior Manager, Strategic Planning Group

Jan 2010Jan 2012 · 2 yrs

  • Drove completion of five large-scale projects in a two-year span as a key member of American Express’ internal strategy team. Played a key role in team orientation and mentorship.
  • Some key contributions from my time in this role include:
  • ►Led mobile payments strategy and corp dev project in India, B2B product go-to-market strategy in Mexico, global loyalty platform optimization, B2C marketing enhancement for consumer/merchant businesses
  • ►Served as team lead for recruiting at Columbia Business School; led or co-led three training sub-committees; managed and mentored four junior team members through on-the-job coaching.
Problem SolvingLeadership DevelopmentCommunicationMarket Analysis

Churchill financial

Senior Associate, Leveraged Finance

Jan 2006Jan 2008 · 2 yrs · New York, NY · On-site

  • Deal management: Coordinated efforts on 22 firm deals and invested $308MM of firm capital by collaborating closely with team members, partners and private equity firms
  • Deal negotiation: Negotiated terms on 35 transactions. Worked closely with counsel to ensure optimal terms and outcome for Churchill
  • Promoted to Senior Associate from Associate in 18 months (vs. two- to three-year average)
Problem SolvingCommunication

Bnp paribas

Associate

Jan 2004Jan 2006 · 2 yrs · New York, NY

  • Leveraged loan syndications. Promoted from Analyst to Associate in 18 months.
Communication

Education

Columbia Business School

MBA

Tufts University

BA

Sidwell Friends School

AISJ

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