With 18 years of leadership in the cobrand industry, Justin has a proven track record of building and managing $1B+ credit card portfolios across retail, automotive, convenience, grocery, and travel & entertainment verticals.
Justin's credit card experience spans nearly two decades working for an industry-leading cobrand issuer. He has launched, managed, grown, and optimized dozens of programs across a variety of verticals and produced consistent results. Justin's career is defined by exceptional results and adept relationship management.
I've spent my entire career, nearly two decades, learning the cobrand industry from the perspective of a bank issuer. I've enjoyed it tremendously. There is something incredibly fulfilling and exciting about helping businesses connect with customers and deliver meaningful value through a tool as powerful as a credit card. I've had the privilege of working on some of the best programs in the industry, and I've also seen plenty that never quite reached their full potential. When that happens, it's often no fault of any one party — issuer, network, or partner brand. Many organizations simply don't possess, and often even find it difficult to hire, the resources and expertise necessary for their program to achieve escape velocity.
That's why I started Advocate Cobrand Consulting. I want brand partners of all sizes and program maturities to have the benefit of time-tested industry knowledge. I know first-hand how powerful a well-run cobrand program can be. When everything clicks, customers earn valuable rewards, brands drive sales and loyalty, issuers grow balance sheets, and networks accelerate purchase volume. Everyone wins.
So give us a call. If you're associated with a cobrand program at any level — junior to senior, retail to travel — I'd love to chat with you about your program. Let's maximize your cobrand performance.