Summary
Overview
Work History
Education
Skills
Community Service
Core Competencies
Timeline
Generic
John Golding

John Golding

Aberdeen,Maryland

Summary

Dynamic product leader with over 20 years of experience in the financial services sector, specializing in innovation within lending, digital transformation, and portfolio expansion. Proven track record of launching high-impact products and enhancing performance through strategic, data-driven approaches. Expertise in cross-functional leadership and leveraging AI insights to achieve scalable growth and operational excellence. Committed to driving results that align with organizational goals while fostering a culture of continuous improvement.

Overview

17
17
years of professional experience

Work History

Assistant Vice President, Lending Product Development & Performance

Aberdeen Proving Ground FCU
07.2025 - Current
  • Lead a department focused on designing and optimizing loan solutions to support customer needs and drive sustainable growth. Oversee strategic planning, analytics, and collaboration across departments to deliver competitive lending products.
  • Contributed to budget planning, and initiatives for communications, planning and coordination of facility management and space allocations.
  • Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
  • Key Contributions:
  • Lead innovation across consumer, mortgage, indirect, and commercial lending portfolios, resulting in improved customer engagement and an annual 9% increase in portfolio performance.
  • Manage product lifecycle and performance optimization strategies, accelerating time-to-market for new offerings and achieving an 8% lift in product adoption.
  • Enhanced digital lending experiences and operational efficiency, reducing application processing time by 12% and increasing digital channel usage.
  • Leveraged customer feedback and analytics to inform product decisions, driving a 10% increase in satisfaction scores and aligning products with customer needs.
  • Partnered with Marketing, Compliance, IT, and Lending Operations for seamless execution, enabling cross-functional initiatives that improved campaign ROI by 18%.

Assistant Vice President, Research & Product Development

Aberdeen Proving Ground FCU
02.2017 - 07.2025
  • Directed strategic planning and portfolio management for loans, deposits, payments, and customer growth. Led committees on pricing, product development, and risk management.
  • Key Contributions:
  • Utilized consumer segmentation to refine targeting strategies, resulting in a 30% lift in unsecured loans, 10% increase in credit card adoption, and a 25% reduction in cost per acquisition (CPA).
  • Delivered financial modeling and profitability analysis for all new loan and deposit products and promotions, enabling data-driven decisions and optimizing pricing strategies, which resulted in a 9.5% growth rate year over year.
  • Implemented product portfolio KPIs and performance tracking, improving departmental communications by providing relevant information more regularly, leading to an 11% lift in new deposit accounts and 18% lift in new loan accounts.
  • Led risk assessments and standards for card products to ensure regulatory compliance and mitigate portfolio risk.
  • Presented strategic recommendations to executive leadership and the Board, influencing organizational direction and investment decisions.
  • Oversaw digital banking updates and marketing ROI tracking to enhance customer engagement and product visibility.

Product Manager

Aberdeen Proving Ground FCU
09.2012 - 02.2017
  • Managed indirect and consumer lending portfolios, performing risk assessments and financial analysis to support strategic product decisions.
  • Spearheaded initiatives that drove a 230% growth in indirect loan volume through targeted dealer engagement and optimized lending strategies.
  • Developed fair lending protocols and created product profiles with lifecycle-aligned promotions.
  • Coordinated dealer relationships and internal teams to launch and enhance lending products.
  • Educated staff on offerings and market trends to drive adoption and performance.

Indirect Lending Representative

Aberdeen Proving Ground FCU
01.2009 - 09.2012
  • Managed relationships with over 100 auto, RV, motorcycle, and boat dealers, optimizing dealer productivity through financial analysis, sales tracking, and compliance auditing. Streamlined loan processing by integrating data sources, maintained vendor due diligence, and supported cross-departmental collaboration to enhance indirect lending operations.

Education

M.S. - Financial Management & Information Systems

University of Maryland University College
Adelphi, MD
01.2015

B.S. - Finance

University of Maryland University College
Adelphi, MD
01.2012

Skills

  • Data analysis expertise
  • Expert in multi-channel marketing
  • Loan origination proficiency
  • Credit report evaluation
  • Data-driven financial insights
  • Organizational strategy
  • Sales expertise
  • Operational leadership
  • Project leadership
  • Cross-functional collaboration

Community Service

  • Miracle League of Harford County, Board Member, Support inclusive sports programming and strategic initiatives to enhance recreational opportunities for individuals with disabilities.
  • Special Olympics Maryland, Volunteer Coach, Provide coaching and mentorship to athletes, promoting confidence, teamwork, and skill development in adaptive kayaking programs.
  • Leadership Baltimore County, Graduate, 2025, Completed a year-long leadership development program focused on civic engagement, regional collaboration, and strategic problem-solving.

Core Competencies

  • Strategic & Product Leadership: Product Strategy, Lending Portfolio Management, Indirect Lending, Strategic Planning, Cross-Functional Leadership, Market Research, Vendor Relations
  • Financial & Risk Expertise: Financial Analysis, Risk Management, Regulatory Compliance, Data-Driven Decision Making

Timeline

Assistant Vice President, Lending Product Development & Performance

Aberdeen Proving Ground FCU
07.2025 - Current

Assistant Vice President, Research & Product Development

Aberdeen Proving Ground FCU
02.2017 - 07.2025

Product Manager

Aberdeen Proving Ground FCU
09.2012 - 02.2017

Indirect Lending Representative

Aberdeen Proving Ground FCU
01.2009 - 09.2012

B.S. - Finance

University of Maryland University College

M.S. - Financial Management & Information Systems

University of Maryland University College

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