Nicole Chernow-Martinez

About Nicole Chernow-Martinez

Head of FinTech Product Platforms specializing in payments, lending, and AI-enabled operational systems. I bring 15+ years of experience building and scaling FinTech platforms and digital products in regulated financial environments, with deep expertise across banking systems, payment rails, and enterprise platform delivery. I lead the design and execution of end-to-end product platforms that connect customer experience, operational workflows, and core financial systems — leveraging data, automation, and AI-enabled capabilities to improve performance, reduce friction, and scale decision-making.I operate at the intersection of product, engineering, and operations — owning platform outcomes, influencing architecture, and driving measurable business impact in regulated environments. My work focuses on: • Designing customer and operator-facing platforms that improve engagement, conversion, and service quality • Building scalable platform architectures and integrations across APIs, data systems, and third-party ecosystems • Driving operational efficiency and automation in complex financial environments • Translating ambiguous business problems into production-ready product solutions I’ve delivered measurable impact across lending, payments, and digital banking by improving onboarding flows, reducing cost per transaction, increasing throughput, and enabling more adaptive, data-driven systems. I’m particularly effective in integration-heavy, cross-functional environments where customer experience, operational systems, and platform architecture intersect — where AI is applied pragmatically to enhance operational performance and decision-making — never as a substitute for sound systems design.

Experience

1. Technical Product Manager

   ICW Group

   May 2025 — Present

Education

• UC San Diego

  BA, Political Science

  1990 — 1995

• California Lutheran University

  Masters of Business Administration - MBA Candidate, Information Technology