Experience

Bundle

• United States
• Financial Services
• 1 - 100 Employee

• Founder & CEO

  • Apr 2018 - 5 years 9 months

  Charlotte, North Carolina Area Founded high growth fintech startup with more than 1 million lifetime users. Created anonymous mortgage marketplace as an alternative to lead based models (Zillow, Lending Tree, and Bankrate). Raised $1 million seed investment from angel investors and VC funds. Took product from 0 to 1. Developed a web based app (React, Ruby on Rails, Firebase, AWS). First as a MVP (Minimum Viable Product), and further into a beta and1.0 product through customer feedback loops and rapid… Show more Founded high growth fintech startup with more than 1 million lifetime users. Created anonymous mortgage marketplace as an alternative to lead based models (Zillow, Lending Tree, and Bankrate). Raised $1 million seed investment from angel investors and VC funds. Took product from 0 to 1. Developed a web based app (React, Ruby on Rails, Firebase, AWS). First as a MVP (Minimum Viable Product), and further into a beta and1.0 product through customer feedback loops and rapid development. Signed annual contracts of $1.2 million with large banks and mortgage lenders. Managed a team of 2 developers, a designer, a marketing manager, and a business development representative. Acquired more than 1 million lifetime users through focused SEO, SEM, and partnership growth strategies. Managed company operations including fundraising, B2B sales, product development, and finance. Developed digital prospect marketing and re-marketing campaigns primarily through Google search and Facebook display advertising (CPA and ROAS). Inventor of USPTO patent US11361375B2 - Mortgage Acquisition System Show less



Movement Mortgage

• Financial Services
• 700 & Above Employee

• Director of Finance & Analytics

  • May 2014 - Mar 2018

  Charlotte, North Carolina Area SUMMARY: Reporting directly to the Chief Financial Officer, managed multiple teams in the Finance group including Pricing Analytics, Business Intelligence, Internal & External Financial Reporting, Treasury, Warehouse Lending, Cash Management, and Financial Planning & Analysis. ADVISER: Served as a consistent, trusted adviser to the CEO, CFO, COO, and the National Sales Director regarding the strategy, performance, profitability, and efficiency of Movement Mortgage, a nationwide mortgage… Show more SUMMARY: Reporting directly to the Chief Financial Officer, managed multiple teams in the Finance group including Pricing Analytics, Business Intelligence, Internal & External Financial Reporting, Treasury, Warehouse Lending, Cash Management, and Financial Planning & Analysis. ADVISER: Served as a consistent, trusted adviser to the CEO, CFO, COO, and the National Sales Director regarding the strategy, performance, profitability, and efficiency of Movement Mortgage, a nationwide mortgage lender originating $13 billion annually in residential mortgage loans. PRICING ANALYTICS: Managed pricing analytics team focused on a market driven approach to margin management. Using 3rd party data, including Bloomberg, Icon, and Optimal Blue, we created a proactive, market sensitive pricing strategy. Worked extensively with capital markets, compliance, and sales leadership to implement changes. BUSINESS INTELLIGENCE: Led the business intelligence team, creating dashboards for every operations and sales group in the company. Supported all 4,000 employees. Transitioned entire company reporting suite from .NET platform to DOMO, a market leading business intelligence software solution. TREASURY: Managed treasury team and warehouse lending group focused on hedge risk oversight, compliance, cash management, and daily mortgage funding activities. FINANCIAL PLANNING: Managed Financial Planning & Analysis team and processes including monthly forecasting, annual planning, financial and production reporting, and market level P&L production. Show less



Citi

• United States
• Financial Services
• 700 & Above Employee

• VP | Product Analytics

  • Mar 2012 - May 2014

  Greater New York City Area SUMMARY: Led team conducting profitability projections on consumer deposit and credit products and associated marketing campaigns and pricing initiatives. Oversaw development and deployment of targeting models with estimated bottom line impact of over $5 million annually. LIFETIME VALUE ANALYSES: Created lifetime product profitability projections for retail banking products including checking, savings, certificates of deposit (CDs), unsecured personal loans & lines, and Home Equity… Show more SUMMARY: Led team conducting profitability projections on consumer deposit and credit products and associated marketing campaigns and pricing initiatives. Oversaw development and deployment of targeting models with estimated bottom line impact of over $5 million annually. LIFETIME VALUE ANALYSES: Created lifetime product profitability projections for retail banking products including checking, savings, certificates of deposit (CDs), unsecured personal loans & lines, and Home Equity Lines. COST TO ACQUIRE ANALYSES: The team focused on measuring the cost to acquire of each product based on the various marketing campaign strategies. Using A/B testing and Test/Control methods, we measured marketing effectiveness. Using SAS modeling, we built regression models that created a lift in response rates, account retention, and utilization. RECOGNITION: Consistently rated as "exceptional", a rating given to less than 5% of all Citi employees. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• VP | Mortgage Credit Risk

  • Nov 2009 - Mar 2012

  Charlotte, North Carolina Area SUMMARY: Managed analytics team focused on residential mortgage loss mitigation strategy development and implementation resulting in over $100 million in asset loss reduction. PROGRAM DEVELOPMENT: The team developed tools, processes, and internal procedures for loan modification, short sale, and deed in lieu programs. All programs were created based on statistical analyses created with tools such as SAS. Ensured all programs complied with state and national regulations. SETTLEMENT… Show more SUMMARY: Managed analytics team focused on residential mortgage loss mitigation strategy development and implementation resulting in over $100 million in asset loss reduction. PROGRAM DEVELOPMENT: The team developed tools, processes, and internal procedures for loan modification, short sale, and deed in lieu programs. All programs were created based on statistical analyses created with tools such as SAS. Ensured all programs complied with state and national regulations. SETTLEMENT SUPPORT: Led the Bank of America analytic sizing effort for the $25 Billion National Mortgage Settlement with the Department of Justice. LEADERSHIP: Consistently communicated with and delivered exceptional results for most senior executives of the division.

• AVP | Credit Card Credit Risk

  • Nov 2007 - Nov 2009

  Charlotte, North Carolina Area SUMMARY: Developed, maintained, and presented monthly new company acquisition and credit loss forecasts. PROCESS IMPROVEMENT: Re-engineered entire forecasting process including methodology, accountability tracking, and associated reporting. COMMUNICATION: Ensured fluid communication between all impacted business partners. Integrated process with the financial planning and marketing groups in order to increase forecast accuracy.



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Analyst | Mortgage Credit Risk

  • Jan 2006 - Nov 2007

  Charlotte, North Carolina Area SUMMARY: Produced and presented asset quality forecast on a $50 Billion residential mortgage portfolio. FORECASTING DUTIES: Performed monthly data extract, ensured data integrity, developed forecast model, and utilized sensitivity and trend analyses to provide most accurate forecast results possible primarily using advanced SAS and Excel techniques. EARLY CAREER EXPOSURE: Delivered detailed monthly forecast overview to the CEO and the leadership team in support of overall… Show more SUMMARY: Produced and presented asset quality forecast on a $50 Billion residential mortgage portfolio. FORECASTING DUTIES: Performed monthly data extract, ensured data integrity, developed forecast model, and utilized sensitivity and trend analyses to provide most accurate forecast results possible primarily using advanced SAS and Excel techniques. EARLY CAREER EXPOSURE: Delivered detailed monthly forecast overview to the CEO and the leadership team in support of overall financial planning. Show less