Brad Pennington Email & Phone Number

San Francisco, California, Us

- Lead Risk, Data Science, Fraud and Legal/Compliance for Global FinTech with 1500+ employees across 8 different countries.- Raised over $800M in debt and equity capital including Series C with Warburg Pincus. - Passionate about developing my teams into elite global thought leaders (while still having fun and serving PayJoy's mission). - FinProd works closely with prod/eng so that solutions scale globally. We write the algorithms and PRDs powering 10s of millions of dollars of EBITDA and that impact millions of users each year. - Personally led the discovery and execution of 2 transformative M&A transactions that drove growth and profitability as PayJoy scaled.

San Francisco, California, Us

- Lead a Risk Strategy Overhaul that Tripled Profitability per Application for Mexico Finance Business- Instrumental to Successful Series B Raise with Greylock- Lead Data Science team that Delivered Custom KYC and Risk Scoring for Underbanked Consumers Globally

San Francisco, Ca, Us

Member of the core business team. Responsible for the analytics driving the underwriting strategy, ratings, expected loss rates and expected returns for a portfolio of P2P closed-end consumer loans. Educate institutional and retail investors about how a balanced portfolio of consumer loans fits into a diversified investment portfolio. Work across business units on projects as diverse as: optimizing response and approval rates across both online and traditional marketing channels, loan verification and fraud identification and the technical implementation of statistical models that drive decision-making. Technical environment consists of production and non-production SQL servers with large amounts of data (both structured and unstructured). Mined available data using open source packages (primarily R) to create models and insights that are implemented in the production environment.

New York, Ny, Us

Manage client engagements and develop custom risk solutions for Basel compliance and improved enterprise risk management.Solutions covered all aspects risk management: Credit Risk (including custom PD, LGD and EAD solutions), Market Risk, Operational Risk and Liquidity Risk solutions.Help banks stress test risk systems for new accounting standards (IFRS and PE GAAP).Personally involved with all aspects of the consulting engagement from scoping and sale of projects through design, delivery and implementation of solutions.

Develop and manage the development of predictive tools for the small-business credit card portfolio. Common predictive approaches include: scorecards, CHAID decision trees, Monte-Carlo simulation, constrained optimization, logistic regression, bagging, association algorithms, time-series and ensemble learning.Experience with the following tools: R, SPSS, Excel, Sage, Java (Weka and Rapid Miner), Xeno, MARS, Clementine and SQL (ODBC and JDBC).

Bs, Finance, Statistics, Economics And Math

International Baccalaureate