Luther L.

Svp, Head of Product

Grasshopper Bank · New York, United States

Present

Lead product strategy, roadmap, and development across Grasshopper’s full suite of digital banking solutions for SMBs, Startups, VC/PE firms, Consumers, and Fintechs. Built the product foundation that positioned Grasshopper for a $369M acquisition by Enova International (Dec 2025) at a premium ~2.5x tangible book value (outperforming the ~1.5x industry median). Executed a product strategy that multiplied gross revenue ~10x and net revenue ~6x, driving the bank to its first profitable quarter in Q2 2025. Launched two net-new business lines, SMB & Startup Banking and Banking-as-a-Service (BaaS), which doubled deposits and quadrupled gross revenue in their first year. Transformed Grasshopper from an early-stage digital bank into a commercial leader, scaling total assets ~3x, loans ~5x, and deposits ~3x. Architected a new commercial banking platform and led a core banking conversion, supporting a ~3x increase in customers without proportional headcount growth. Won "Best Banking Tech of the…

Director of Product

Grasshopper Bank · New York, United States

Digital Product Manager

LendingClub · Boston, Massachusetts, United States

At LendingClub, I led the product roadmap for D2C deposits, small business deposits, and API-based Banking-as-a-Service by defining the strategic vision, prioritizing features, and aligning each product line to market demand. I built and managed the technology partner ecosystem underpinning our deposit and BaaS offerings, and led the integration of Radius products and platforms into LendingClub’s infrastructure post-acquisition, driving operational efficiency and tighter product-technology alignment across the organization.

Digital Product Manager

Radius · Greater Boston

At Radius Bank, I spearheaded the product and technology partnerships that helped make the bank an attractive acquisition target, culminating in its $185M acquisition by LendingClub, the first time a U.S. fintech had ever acquired a bank. The deal created the first public U.S. neobank and only full-spectrum fintech marketplace bank in the country. I managed the full product and technology roadmap across consumer, business, and API-based BaaS offerings, and developed and launched an award-winning Rewards Checking account recognized by NerdWallet (5 stars), CNET (“Best Overall Checking Account”), The Ascent, and Bankrate; recognition that directly contributed to Radius being named the nation’s best online bank the year the acquisition was announced.

Online Services Manager

Northeastern University · Boston, MA

Strategy and Information Management, Change Management Co-Op

State Street · Boston

- Championed the creation of a cloud-based site for Global Operations Risk Management, spearheading requirements gathering, user story development, and feature implementation. - Conceptualized and built an interdepartmental project management tool featuring an automated decision tree. This innovative system streamlined omni-channel communication and drastically reduced management overhead by directing notifications to relevant stakeholders at each project stage.

Management Information System Intern

Nomura Asset Management · New York, New York, United States

- Established a cloud-based digital archive for paper trading data, ensuring accessibility, security, and audit-readiness before office relocation. - Consolidated diverse paper records into a central, searchable repository, facilitating efficient retrieval and analysis. - Enhanced data security and compliance through cloud-based storage and robust access controls. - Streamlined audit processes with easily searchable and traceable electronic records.