Product Marketing · Fintech · AI-Native GTM

I turn noise
into signal.

Bass player. Product marketer. Professional translator of complexity into adoption. For 14 years that has meant payments, cards, and fintech. Increasingly, it means AI.

$4.7M

Incremental card revenue via lifecycle

$2.4M

B2B revenue from global product launch

60%

Institutional pipeline growth

150%

Organic traffic lift from site rebuild

What I do

Product marketing that
closes pipelines.

I work at the intersection of complex financial products, institutional buyers, and consumer behavior. Every engagement I run traces back to a P&L line.

Danny Del Toro

Director of Product Marketing — Fintech & Payments

14+ years translating complex financial products into revenue. Card programs, B2B pipelines, global GTM across three continents. Open to remote Director and VP-level roles in fintech, payments, and embedded finance.

Email me LinkedIn

GTM

Go-to-Market Strategy

Zero-to-revenue product launches, B2B/B2C positioning, category creation, and market entry frameworks across NA, APAC, and EMEA.

PLG

Lifecycle & Growth

Onboarding design, activation triggers, winback journeys, churn modeling, and LTV/CAC optimization at portfolio scale.

B2B

Institutional Sales Enablement

Sales decks, RFP materials, vertical playbooks, and value narratives built for FI buyers, neo-lenders, and payment processors.

₿

Payments & Regulatory Depth

Reg Z/E/II, PCI DSS, BSA/AML, interchange optimization, card lifecycle compliance — writing for compliance-aware audiences without losing the narrative.

📊

Analytics & Experimentation

SQL, Tableau, GA4, A/B testing, cohort analysis, and revenue attribution. Every campaign has a measurement framework before it launches.

AI-Native GTM

Uses Claude, ChatGPT, Perplexity, and Cursor as a daily operating layer — competitive research, segmentation logic, campaign briefs, and strategy synthesis. Also builds tools with code.

Built with Cursor

Tools I built.

I build tools that make fintech and growth marketing work faster. Free to use, open source on GitHub.

Live Tool

Card Profitability Benchmarker

Interactive card portfolio calculator. Model the revenue impact of activation improvements, full portfolio economics across all revenue streams and expense buckets, net income per account, and a 3-year projection — all in real time.

InterchangeCost of FundsCharge-offsRewards Cost3-Year ProjectionBenchmarks

Open tool →

Coming Soon

Lifecycle Audit Tool

Describe your current customer journey and get back a gap analysis identifying where you are losing users and what trigger-based interventions to test first.

OnboardingActivationRetentionWinback

In progress

Industry POV · Danny Del Toro · 2026

Financial Institutions Do Not Have an AI Problem.

They Have a Decision-Making Problem.

Read the piece →

From the piece

“Good AI tools die in committee. After 14 years inside fintech, here is the real reason AI adoption fails in financial services — and why fintechs are running out of time to avoid the same fate.”

14-year fintech operator perspective · Cards, Payments, Embedded Finance

Case Studies

The work that moved the needle.

Zero to Revenue · Verrency

Launching a Carbon Offset Product from Zero to $2.4M in 8 Months

Verrency built a Carbon Action Solution — a transaction-level CO₂ tracking and offset API for banks. I owned the entire go-to-market: product positioning, B2B pitch deck, partner activation, pricing narrative, and multi-region launch.

$2.4^M

Revenue in first 8 months

Global markets launched

60^%

Pipeline growth post-launch

🌿

CO₂

CARBON ACTION SOLUTION

What I built for this launch

Market Positioning & Messaging

Translated a complex carbon-accounting API into a clear value proposition for three distinct buyer types: retail banks, neo-lenders, and loyalty program managers. Used research from NielsenIQ, Deloitte, and IPSOS to anchor the narrative.

B2B Pitch Deck & Sales Materials

Built the full institutional pitch deck leading with the consumer demand problem, product architecture, cardholder user journey, and a risk-free partnership model with EY assurance review.

Partner GTM & Multi-Region Activation

Adapted positioning and co-sell materials for regional bank audiences across NA, APAC, and EMEA. Built partner onboarding toolkits and co-branded collateral.

More case studies

💳

$4.7^M

Card Lifecycle Segmentation — First Tech FCU

Redesigned segmentation across a $17.4B card portfolio. Replaced broadcast campaigns with behavior-triggered journeys, delivering 24% lift in card spend.

Cards · Lifecycle · $17.4B Portfolio

📈

120^%

Acquisition Growth — Patelco Credit Union

Deployed trigger-based lifecycle email with pre-qualification, growing card acquisition 120%. Re-engaged 3,700 dormant cardholders generating 25% balance growth.

PLG · Activation · Winback

🌐

150^%

Website Rebuild & SEO — Verrency

Built SEO and CMS from zero, driving 150% organic traffic growth in 12 months. Established Verrency as a visible voice in embedded finance.

SEO · Brand · Content Strategy

Featured Work

Verrency.com —
Full Website Rebuild

When I joined Verrency, the website had no clear institutional buyer narrative. I led a full redesign — new architecture, new messaging, and a 150% organic traffic lift.

Repositioned from features to outcomes

Rewrote all product copy to speak to FI business goals — risk reduction, NPS improvement, top-of-wallet.

Built Marketplace and Services pages from zero

New partner-facing pages with a who-it-is-for and how-it-works architecture, improving inbound partner qualification.

SEO and CMS infrastructure

Built keyword architecture, meta strategy, and CMS workflows across 3 regional teams without agency dependency.

Results: 150% traffic growth in 12 months

Organic search became the number one inbound channel, reducing CAC and generating self-qualified institutional pipeline.

verrency.com

Verrency

Capabilities

The full stack.

GTM & Launch

Go-to-market strategyProduct positioningCategory creationSales enablementLaunch playbooksAnalyst relations

Lifecycle & Growth

Onboarding designActivation triggersWinback journeysChurn modelingLTV/CAC optimizationPLG frameworks

Payments & Compliance

Card lifecycleReg Z / E / IIInterchange optimizationPCI DSSBSA / AMLUDAAPCCPA / GDPR

Analytics

SQLTableauGA4A/B testingCohort analysisRevenue attributionFunnel optimization

Martech Stack

SalesforceHubSpotMarketoFigmaJIRAHTML/CSSGoogle Tag ManagerSEO/SEM

AI & Tools

ClaudeChatGPTPerplexityCursorSalesforce Marketing CloudBrazeHubSpotAmplitudeTableauPower BISQLGA4Midjourney

Education

M.S. Business Analytics — UC IrvineB.S. Molecular Biology — SFSU

Danny operates with the strategic mindset and ownership of a Marketing Director—consistently translating data into high-impact campaigns that drive measurable growth and customer engagement. He brings a rare blend of creativity, analytical rigor, and cross-functional leadership that elevates both performance and team execution.

Clifford Bruce

Senior Director of Consumer Lending — First Tech Federal Credit Union

Let’s work together

Open to Director &
VP-level roles.

Remote-first. Focused on fintech, payments, embedded finance, and high-growth B2B SaaS. If you’re building something complex that needs to be explained simply — let’s talk.

ddeltoro314@gmail.com LinkedIn

I turn noiseinto signal.

Product marketing thatcloses pipelines.