A strategic partner and problem solver
We create profitable deal structures that meet your sales goals and risk appetite
The importance of RCA
RCA has over 40 years of combined experience in the Retail Credit and Payments Industry-leading large cross-functional teams with global footprints.
This experience includes P&L leadership of over 30 Co-Brand and Private Label brand-name clients, for large Franchise ($10B+ ANR) Portfolios to smaller Corporate and Dealer portfolios across over a dozen industries.
We have a vast network of individuals and teams at major issuers, Retailers, Data Analytic groups, and second-look providers.
combined experience
40 Years
Meet the amazing team behind RCA
Wale Cole
Chief Strategy Officer & Co-Founder
Wale Cole has over 25 years of experience in consumer credit, data analytics & advisory services, and is now the Principal for Carmel Advisory LLC. He is a visionary leader with extensive P&L experience and a strategic thought leader with a proven track record of delivering key revenue-generating initiatives, portfolio analytics, marketing spends optimization & managing strategic partner relationships.
Prior to starting Retail Credit Advisors alongside Phil, he was a Director of Decision Management within Citi Retail services, the Division of Citi’s North American Consumer Business that provides consumer & commercial credit card products, services, and point of sale solutions to retailers across the U.S.
Prior to joining Citi, Wale worked in Finance within the Credit business of Sears, Roebuck & Co as well as at Norwest Financial and KeyBank USA. In these companies, he held a variety of roles spanning Business & Portfolio analytics. Wale holds a B.S in Business Administration from the University of Lagos, and an MBA from the Sawyer School of Management, Suffolk University in Boston, MA.
Phil Vaynshteyn
Chief Financial Officer & Co-Founder
Phil Vaynshteyn has over 15 years of diverse Finance experience spanning the consumer credit, retail, and travel sectors and he is now the Owner of Quiver Consulting LLC. He is a proven leader who uses his portfolio CFO experience to bring a collaborative, balanced, and thoughtful approach to solving business challenges from a financial perspective, with customer focus always at the forefront.
Prior to starting Retail Credit Advisors alongside Wale, Phil worked for Citigroup, in a variety of Finance roles within the consumer lending space. In his most recent role, Phil was the Head of Financial Planning & Analysis (FP&A) for their Branded Cards business unit, managing $85B of receivables that generated over $9B in annual revenues.
The Branded Cards unit is comprised of their Proprietary Co-Branded Citi Cards such as Double Cash and Premier, as well as the American Airlines and Costco Co-Branded Cards.
He was also the portfolio finance lead for the Specialty Partners Group (SPG) of portfolios within Citi Retail Services, closely managing the financial performance for $4B of credit card receivables. SPG includes 25+ clients across multiple verticals, with name-brand companies such as American Airlines, Brooks Brothers, Costco, ExxonMobil, Ford, Goodyear, Office Depot, Staples, and Tractor Supply.
Before joining Citi, Phil spent time as a financial analyst in the Travel and Financial Services sectors, while obtaining his MBA from the University of Illinois at Chicago. He also holds a B.S. in Computer Engineering, with a minor in Mathematics, from the University of Illinois at Urbana-Champaign.