Matthew Kramer

About Matthew Kramer

I am an enterprise marketing and growth executive with 20+ years of experience leading brand evolution, customer acquisition, and digital transformation in regulated financial services environments.I have built and scaled marketing and product organizations across consumer credit, banking, and payments, with responsibility for enterprise brand strategy, acquisition and lifecycle marketing, digital experience, and marketing technology. My work has consistently focused on driving growth while maintaining strong governance, risk discipline, and reputational stewardship.Currently, I lead Product and Marketing for Merrick Bank, where I oversee the multimillion dollar annual marketing investment and enterprise teams spanning marketing acquisition, lifecycle, brand, digital experience, analytics, and marketing operations. Over the past year, I have led a full brand refresh and brand architecture redesign, integrated an acquired credit card portfolio, modernized marketing platforms, and delivered the fastest product launch in the bank’s history.A defining theme of my career has been learning and adapting quickly in complex environments. This includes international leadership roles where I rapidly immersed into new regulatory and cultural contexts and progressed into full P&L ownership, as well as leading emerging capabilities such as mobile payments at the launch of Apple Pay through close partnership with fintechs and technology providers.While much of my experience has been in credit cards, the problems I have been asked to solve are broader and product-agnostic: responsible growth, brand clarity, digital enablement, acquisition efficiency, lifecycle engagement, and organizational scale. I have worked across cards, deposits, consumer lending, and digital banking, serving customers from underserved to affluent segments.I am most effective in roles that require balancing growth ambition with trust, discipline, and execution, and where thoughtful leadership and collaboration across Product, Credit, Technology, Risk, and Compliance are essential.

Experience

1. SVP, Marketing & Product

   Merrick Bank

   Apr 2021 — Present · Salt Lake City, UT, US

   I lead enterprise Product and Marketing for Merrick Bank, with responsibility spanning acquisition, lifecycle marketing, brand strategy, digital experience, analytics, and marketing operations in a highly regulated financial services environment.In this role, I oversee the end-to-end marketing ecosystem, including brand positioning and evolution, omni-channel customer acquisition and engagement, digital platforms, marketing technology, and customer insights. I partner closely with Credit, Technology, Risk, Compliance, Legal, and executive leadership to drive responsible growth while maintaining strong governance and reputational discipline.Over the past year, my work has focused on scaling the organization for its next phase of growth, including leading a full brand refresh and brand architecture redesign, integrating an acquired credit card portfolio, modernizing marketing platforms and workflows, and delivering the fastest product launch in the bank’s history following an acquisition. I also lead the evolution of Merrick Bank\'s digital front door and lifecycle engagement strategy, with a focus on usability, personalization, testing, and data-driven optimization across channels. My teams own paid and organic digital marketing, social media, and customer research, and are responsible for translating insight into action across the customer journey.

Education

• Middlebury Institute of International Studies at Monterey

  MBA, International Business

  2002 — 2004

• Middlebury Institute of International Studies at Monterey

  BA, International Studies

Skills

• Mergers & Acquisitions
• P&L Management
• Business Analysis
• Strategy
• Business Planning
• Budgets
• Finance
• Credit Cards
• Marketing
• Product Development
• Analysis
• Financial Analysis
• Strategic Planning
• Analytics
• Cross-Functional Team Leadership
• Business Strategy
• Managing Partner Relationships
• Financial Modeling
• Business Development
• M&a Experience
• People Development
• Budgeting
• Product Management
• Leadership
• Forecasting
• Financial Services
• Banking
• Risk Management
• Portfolio Management
• Management
• Segmentation