Ralph Andretta
New CEO Ralph Andretta is seen as under-qualified, with a questionable legacy at Amex and Citi, and lacks experience in managing revolving credit portfolios and marketing products.
Interviews with former colleagues highlight Andretta's financial acumen but criticize his leadership, noting he prioritizes personal interests over the company's; none would work with him again.
Andretta faces multiple headwinds, including a saturated market and increasing competition, and his remote living situation may hinder performance and signal a lack of long-term commitment.
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