Gaby Garcia is a Senior Director of Business Analytics at 2nd Order Solutions, where she partners with banks and fintechs to design and scale profitable consumer credit products. Since joining the firm in June 2022, Gaby has focused on helping clients thoughtfully define target markets, build acquisition and customer management credit policies, and drive stronger long-term product engagement.

Gaby blends strategic guidance with analytical insight, helping clients translate complex data into actionable decisions. Her work spans the full product lifecycle—from initial market positioning and underwriting design to customer management optimization. She is particularly passionate about aligning risk strategy with business objectives to create durable, customer-centric growth.

Gaby started her career at Capital One developing underwriting and customer management strategies for cobrand portfolios. Prior to joining 2nd Order Solutions, Gaby worked in analytics at an early-stage fintech, where she developed and optimized existing customer retention strategies. Before that, she advised consumer lenders as a consultant, including leading the revamp of a customer management program for a large subprime credit card issuer. She also supported fintech clients as they navigated credit risk and portfolio strategy challenges during the early days of the COVID-19 pandemic.

Gaby graduated from Vanderbilt University in 2016 with a B.S. degree in General Engineering and now lives in Washington, DC. Outside of work, Gaby enjoys traveling to tropical destinations to explore and scuba dive. In DC, she can be found exploring the food scene or playing with her puppy, Gracie.