20+ years of financial services leadership, applied to your toughest problems.
CogniFI Consulting Group helps credit unions and lenders sharpen lending strategy, launch and fix products, manage risk and pricing, and build partnerships that grow the balance sheet.
Practical advisory from someone who has run the P&L.
Engagements are hands-on and scoped to a clear outcome. You get an operator's judgment, not a slide deck of generalities.
Lending Strategy
Where to play, what to originate, and how to grow loan portfolios profitably across auto, consumer and indirect channels.
Product and Platform
Product roadmaps, digital lending experience, vendor and technology selection, and getting new products from idea to launch.
Credit Risk and Pricing
Credit policy, risk-based pricing, portfolio governance and performance reviews that keep growth and loss rates in balance.
Partnerships and Distribution
Dealer groups, fintechs and third-party platforms. Structuring partnerships that add volume without adding risk you did not price.
Capital Markets and Funding
Securitization readiness, loan sale and funding strategy, and understanding how your assets look to investors.
Advisory on Call
A senior sounding board for your lending leadership team, available as a standing retainer when you need a second opinion fast.
Built for institutions that lend and want to do it better.
Chris Kleczynski
I have spent more than twenty years in consumer lending and product leadership across regulated financial services. Most recently I led consumer lending product strategy at one of the largest credit unions in the country, where I owned the P&L, set credit and pricing governance, and led digital lending transformation.
Earlier roles at Ford Motor Credit, Nissan, Volkswagen, Marriott and other organizations gave me a broad view of how captive finance, retail lending and capital markets fit together. I also built and ran a successful auto refinance business and worked closely with third-party platforms, so I know how they operate from the inside.
I hold an MBA from Arizona State University's W. P. Carey School of Business and a BA in Legal Studies from UC Berkeley.
AT A GLANCE
- 20+ years in consumer lending and product leadership
- Enterprise lending strategy and P&L ownership
- Credit risk, pricing and portfolio governance
- Digital lending platform transformation
- Auto lending, refinance and Auto ABS securitization
- MBA, Arizona State University
Let's talk about what you are trying to solve.
Send a short note about your institution and the challenge in front of you. I will reply personally.
Chris@cognifigroup.com