In our latest podcast, Peter Jankovsky (WG'20) is joined by Omer Ismail, the head of Goldman Sachs' US consumer business. In this role, Omer oversees the Marcus by Goldman Sachs and Clarity Money businesses as well as the Goldman Sachs/Apple credit card partnership. Omer was originally the consumer business' first employee, and under his leadership, Goldman Sachs' US business has grown to over 4 million customers, $5 B in loan balances, $50 B in deposits, and 1,300 employees.*   In this extensive interview, Omer dives into: • The story behind Goldman's decision to enter consumer banking and how it went about understanding consumer pain points to deliver a unique value proposition • How the consumer business operates as a distinct business within the broader Goldman umbrella, and how its focus on constant iteration of design and UX delivers a differentiated customer experience • Surprises and challenges that Goldman tackled as it scaled its consumer business • Thoughts on what's next for Goldman in the consumer banking space, as well as Omer's view on opportunities/challenges in the market   Prior to launching Goldman's consumer business, Omer spent a decade in the private equity division at Goldman Sachs, focused on investing in technology-enabled businesses in the financial services, media and healthcare sectors. Omer grew up in Karachi, Pakistan and earned a BA from Dartmouth College and an MBA from Harvard Business School. He has been featured in the Wall Street Journal, CNBC, Forbes, Fast Company and American Banker. He has been recognized as one of Business Insider’s 100 People Transforming Business, Crain’s 40 under 40 and Bank Innovation’s Innovators to Watch. Omer lives in New York with his wife and two kids. * Stats mentioned in audio may slightly differ; podcast was recorded at start of summer 2019.