Adam Boyd

Adam Boyd, Rate’s President of Consumer Lending, is dedicated to delivering solutions that help customers improve their financial, physical and mental well-being. He believes that Rate’s unique ability to align its strategic business goals to match customers’ personal goals puts the company in position to succeed in the financial services industry for years to come.

Before joining Rate, Adam spent the previous 13 years at Citizens Bank, most recently as Head of Consumer Lending, where he helped transform and grow its lending business into the largest home equity originator in the country. Since beginning his career in the contact center at MBNA, Adam has always kept the customer top-of-mind while also employing a data-driven approach to innovation and execution. Having worked in nearly every facet of financial services, Adam has developed a skillset that gives him a holistic view of personal finance.

With more than two decades of consumer lending and personal finance experience, Adam strives to lead a team “where everything we’re doing is in service of helping people live better lives.” He firmly believes that by being authentic and always focusing on the needs of the customer, Rate can grow its membership base while also helping customers achieve their dreams.

Adam is inspired by the passion he sees in every employee at Rate, from President & CEO Victor Ciardelli on down. “The ambition and the culture here is really what attracted me,” Adam says. “People really believe in what we’re trying to do.” Between its employees, the company culture and a strong mortgage lending foundation, he believes Rate has all the necessary ingredients for long-term success.

Whether it’s financing a home or another major life event, engaging with wellness content on the Rate App or any other interaction, Adam realizes that Rate’s success derives from its dedication to serving customers’ needs. Adam likes to say that “half of the winning formula, or more, in anything you do is … really giving a  ‘sh!t,’” and he’s inspired to see so many people at Rate embody that core company value while they go about running the business. To Adam, “the culture of the organization drives the business outcomes.”

Outside of work, Adam is extremely proud of his wife and the five children they’ve raised together. The Delaware native is a diehard Philadelphia sports fan who also loves travelling the country to attend concerts. He’s a self-described Dave Matthews Band fanatic who’s been to more than 60 live shows and loves to spend the summer seeing their concerts at new venues.

Everything Adam does at Rate is in service of the customer and helping them achieve their financial goals. He envisions a future where Rate has created a “complete and connected experience…for consumer financial wellness” that empowers people to be their best selves.