Scott Barton

Managing Partner

Scott is the Founder and Managing Partner for 2nd Order Solutions. Over his 25 years in financial services, he has developed deep expertise in strategy, process improvement, operations, and loss forecasting. At 2OS, Scott has consulted to the financial services industry for over nearly 15 years, with clients ranging from top 5 banks to fintechs to private equity firms, including hundreds of  engagements that reduced credit risk for clients in the US, Canada, Australia, Europe, and Central America.

Prior to founding 2OS, Scott worked for Capital One where he founded and ran Capital One’s partnership card portfolio, launching a major new innovation vector for Capital One, rapidly growing the portfolio and number of partnerships with industry-leading underwriting. He also led Collections and Recoveries for Capital One’s card and personal loan business lines, where he was responsible for credit policies, strategy, internal operations and agency network. He helped massively upgrade analytical capabilities within Collections, and transformed call centers from primarily in-house to primarily outsourced, saving $100M in losses and saving $50M+ in operating expenses. Scott has an MBA from the Tuck School of Business at Dartmouth College and an undergraduate degree from Duke University.

Outside of work, Scott enjoys spending his free time playing golf, reading about history and leadership, and engaging on travel adventures with his family.