KOREA WHO

Cho Jwa-jin is the CEO and President of Lotte Card.

He is focused on establishing a strong performance foundation for Lotte Card, increasing market share, and maximizing corporate value.

He has presented the direction of the company as a “Curating Digital Company” and is working to enhance products and platform services.

He was born on November 6, 1967, in Busan.

He graduated from Naeseong High School in Busan and went on to study economics at Seoul National University.

He began his career at Samsung Life Insurance and later moved to the consulting firm A.T. Kearney.

He joined Hyundai Motor Group as an executive director at Hyundai Capital, where he played a key role in the early establishment of Hyundai Card.

After serving as the head of marketing at Hyundai Card and Hyundai Capital, he moved to the consulting firm Oliver Wyman, where he served as the head of the Korea office.

He then returned to Hyundai Card and Hyundai Capital as head of the financial marketing division and CVM (Card Verification Method) team, before taking on roles as Head of Strategic Planning and Chief Financial Officer. He also served as the head of the Hyundai Capital America (HCA) subsidiary.

He founded his own consulting company, JCMC (James Cho Management Consulting), named after himself.

In 2020, he was appointed CEO of Lotte Card, and in March 2024, he began his third term.

He is known for his practical and strategic approach, as well as his flexible and horizontal mindset.

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