Sheba Carnes is the Vice President of Product Management for Velera’s credit, payments, business, and plastics solutions. With over 25 years of experience in the credit card industry, Sheba is recognized for her strategic vision and leadership in bringing innovative financial solutions to life for Velera's clients. A key member of the leadership team, she is instrumental in shaping the company's product direction and driving growth in a rapidly evolving market.

Among her notable achievements, Sheba spearheaded the development and successful launch of Velera’s Buy Now, Pay Later flex payments solution, demonstrating her ability to identify and capitalize on emerging trends to meet evolving consumer and industry needs. Her deep understanding of the credit card landscape and commitment to innovation positions her as a leader in delivering solutions that not only enhance user experiences but also provide Velera's clients with a competitive advantage.