
Carlos Minetti
Accomplished business head and board member with over 35 years of experience launching and growing new businesses, and... | Lake Forest, Illinois, United States
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Carlos Minetti’s Location Lake Forest, Illinois, United States
Carlos Minetti’s Expertise Accomplished business head and board member with over 35 years of experience launching and growing new businesses, and leading risk management, operations, and customer service at Discover and American Express. Spent the last 16 years launching and scaling four businesses: Digital Bank, Personal Loans, Home Loans, and Student Loans within Discover’s Consumer Banking franchise, generating 700M in annual profits with 25 billion in assets. Played an integral role in establishing Discover Bank as a top 5 online bank – with 80 billion in deposits. Led Discover’s post-IPO diversification strategy into Direct Banking, established the Corporate Risk function, and transformed the Credit Risk practice. Possesses a unique blend of entrepreneurial skill and ability to effectively lead large, matrixed organizations. Proven track record of driving cultural transformation and employee engagement.
Carlos Minetti’s Current Industry Oportun
Carlos
Minetti’s Prior Industry
American Express
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Discover Financial Services
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Trustmark
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Oportun
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Work Experience

Oportun
Board Member
Mon Jan 01 2024 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Trustmark
Board Member
Sun Oct 01 2017 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Discover Financial Services
President, Consumer Banking
Mon Jan 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Sep 01 2023 00:00:00 GMT+0000 (Coordinated Universal Time)
Discover Financial Services
Chief Risk and Credit Officer
Wed Jan 01 2003 00:00:00 GMT+0000 (Coordinated Universal Time) — Mon Jan 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time)
Discover Financial Services
EVP, Cardmember Services
Mon Jan 01 2001 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Jan 01 2013 00:00:00 GMT+0000 (Coordinated Universal Time)
American Express
SVP, Card Operations
Wed Jan 01 1997 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Dec 01 2000 00:00:00 GMT+0000 (Coordinated Universal Time)
American Express
VP, Risk Management
Tue Jan 01 1991 00:00:00 GMT+0000 (Coordinated Universal Time) — Wed Jan 01 1997 00:00:00 GMT+0000 (Coordinated Universal Time)
American Express
Director - Aquisition & Credit Policy
Thu Jan 01 1987 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Jan 01 1991 00:00:00 GMT+0000 (Coordinated Universal Time)