Head of Risk

• Oct 2022 - Present

VP US Credit Risk

• Jun 2021 - Jul 2022

Credit Risk Leader responsible for Acquisitions, Account Management, Collections and Merchant Risk for US startup organization with Australian parent company. Responsibilities included the development and management of key processes including: • Consumer Underwriting Strategy which utilized traditional credit data coupled with alternative data to identify prime and pockets of good customers in sub-prime applicants which made economic sense at a 9.99% APR. • Merchant Taxonomy to evaluate potential markets on their fit with the Opy product. This included evaluations of credit, reputational risk, market potential, competition and Openpay’s go-to market strategy. • Merchant Underwriting process which evaluated merchants for credit, fraud and reputational risk. • Reporting and analytics focused on early consumer performance reads coupled with merchant engagement. In addition, developed vintage based loss forecasting and CECL based reserve model. • Migration of Underwriting decision from internal systems to the Provenir decision engine to allow for greater flexibility in management of the underwriting changes. Show less

Senior Director, Analytics

• Mar 2019 - Jun 2021

Credit Risk Leader responsible for all aspects of the closed-end Credit cycle including acquisitions, model risk management and portfolio monitoring in a highly matrixed, hands-on organization. Additional responsibilities included Credit Risk liaison with bank partners Risk organization and management of the Credit Committee. • Evolving the mindset of an organization whose risk mindset historically revolved around early vintage delinquency (first missed pay), portfolio losses and cash on cash profitability. Development of ground up, Tableau based, portfolio reporting and analytics including forecasting of performance based on through-the door distributions and early delinquency, vintage level views of profitability by risk tier (paydown, delinquency and losses) and portfolio delinquency monitoring (roll rates and delinquency movement matrices). • Conduct state level and total portfolio product performance reviews. Continually assess if adjustments to score cutoffs, loan amounts, interest rates and payment-to-income ratios are required based on early performance and trends. • Development and presentation of monthly credit reporting to bank partner around the impact of changes in the portfolio as it relates to long term performance. This includes assessment of new acquisition channels (ex. lead buy, direct mail) and credit risk expansion opportunities/contraction needs, in addition to standard credit risk review items (acquisition metrics, vintage performance, delinquency and losses). Show less

VP Credit Insights and Policy

• 2017 - 2019

Responsible for creation and management of team responsible for driving credit performance insights across account lifecycle from acquisition to account management. Identify and provide analytics and solution development to minimize risk and maximize profit, managing and executing all aspects of the analytical lifecycle - problem identification, data gathering, analysis, tool development and implementation.

VP Model Development, Business Process Management

• 2015 - 2017

Embedded Model Risk Management mindset throughout the first line of the organization and became a trusted internal consultant on application of the model risk management standards. • Created and managed team of 6 individuals to provide first-line lifecycle review of all models (credit, marketing, finance, treasury, collections and risk) from concept to documentation and submission for validation. • Drove consistency in Model Development through the development and maintenance of statistical procedures for development of scorecards and financial models. Show less

Global Unsecured Credit Risk Leader

• 2012 - 2015

Unsecured Credit Risk Leader for $67B global unsecured and sales finance portfolio with responsibilities including on-site portfolio reviews and assessments across 11 countries, monthly portfolio performance monitoring, identification of market level emerging trends and credit risk issues, policy ownership and ad hoc analytics to drive understanding of differences across markets. Selected accomplishments include: • Modified country level engagement model to be a trusted HQ consultant to the country CRO’s vs. historical top down operating model. This allowed for engagements across the country level risk leadership team resulting in better understanding of market risks, honest assessments from the markets and the ability to influence and drive market level decision making. • Identified issues and oversaw market specific changes ranging from modification of U/W criteria for self-employed consumers in Poland to revision of Russian Credit Card decisioning across all facets of the portfolio (Authorizations, Line Increase, Pricing and U/W strategies). • Developed and implemented reporting infrastructure for Fed Reporting, Quarterly Portfolio Reviews and Monthly Portfolio Monitoring Show less

Senior Manager, Risk - Sales Finance

• 2008 - 2012

Risk Reporting and Analytics Leader for $15B Sales Finance organization. Managed team of 8 analysts (remote) supporting risk reporting, analytics, securitization, and economic capital. Selected accomplishments include: • Provided insight to portfolio credit performance through the Great Recession and developed RACV based methodology to drive growth post recession which resulted in both expanding growth segments and more timely engagement within those segments. • Risk Lead in the $2B acquisition of Citibank Private Label portfolio delivering loss forecasting and customer profiling. • Drove culture of transforming analytics into future reporting through automation to ensure learnings were not lost over time and results were portfolio changes were understood. Show less

Vice President Information Technology

• 2004 - 2008

Multiple positions with increasing responsibilities. • Lean Six Sigma Black Belt supporting 250 associates in the Credit Card Technology Organization (2004-2005) • Senior Service Delivery Manager, TSYS Technology - Ownership of TSYS relationship, focused on driving out defects and achieving platform stability (2005-2007) • Senior Service Delivery Manager, Small Business Technology - Managed ten project managers and $14MM budget. Focus on triaging portfolio and eliminating scope creep of Small Business Technology projects (2007) • Senior Service Deliver Manager, Process Improvement, Reporting and Analytics - Developed team of two analysts focused on Process and Stability Reporting and Analytics within Small Business Banking Technology coupled with leading Process Improvement efforts to address areas of concern by business partners primarily within banking branches. (2008) Show less

Six Sigma Black Belt - GE Franchise Finance

• 2002 - 2004

Process improvement concentration in Collections, Finance and IT. Six Sigma instructor and project leader, led process integration workouts between GE Capital BAF and Franchise Finance post acquisition and facilitated strategic planning with Senior Management.

Decision Science Leader - GE Card Services

• 2000 - 2002

Collections and Recovery Analytics, Modeling - Collections and Recovery, Strategy Development, Vendor Management, International Resource Management, Neural Networks, Model Owner, Model Performance Monitoring

Senior Credit Risk Manager - Consumer Card Services

• 1998 - 2000

Credit Risk Reporting, Credit Risk Analytics, Statistical Modeling, Profitability Analytics, Forecasting, Data and Reporting Automation, Data Leader for Offering Memorandum, Risk Integration Leader

Database Marketing Manager

• 1994 - 1998

Model Development, Marketing Analytics, Targeting, Process Improvement, Vendor Management, Lifecycle Management Model Development, Marketing Analytics, Targeting, Process Improvement, Vendor Management, Lifecycle Management