Sam Padrul is a product leader who builds customer-first digital experiences for consumer finance, with 11 years in fintech and a 15-year track record of simplifying complex systems into scalable products. As Head of Product at Seen, he directs originations and servicing strategy for 150K+ cardholders and launched the company’s first Rewards and Secured Card products—rewards now drive a third of new originations. He blends deep operational ownership (daily card servicing, IVR, payments, vendor/bank relationships) with cross-functional partnership across Risk, Compliance, Legal, Marketing and Ops to balance growth, delight, and regulatory constraints. Previously at Capital One he led digital servicing for tens of millions of monthly card users and unlocked ~ $100M in mobile-driven value through new-account growth strategies and AI-driven personalization. He holds a master’s in Product Design and Development from Northwestern and brings a data-savvy, analytics-forward approach honed by Six Sigma and cross-border program work. Colleagues describe him as pragmatic and curious—equally comfortable shipping app features and negotiating the tradeoffs of risk and unit economics.
11 years of coding experience
16 years of employment as a software developer
Walter Payton College Prep
Bachelors of Science Economics, Bachelors of Science Economics at University of Illinois Chicago
Masters in Product Design and Development, Masters in Product Design and Development at Northwestern University
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