Burak Gunes Email & Phone Number

Barcelona, Ct, Es

Austin, Texas, Us

Billd is a supplier for subcontractors on commercial projects and facilitates sales of goods on credit and buys their receivables for a set price with repayment terms of up to 120 days. As part of my role, I:- manage losses through improved account and project underwriting with better statistical models, risk-based pricing, and improvements to credit policy- predict and forecast revenues and losses accurately at a granular level- elevate the analytical talent and insights across the company- shape the vision and strategy of the company to better serve our customers and improve shareholder value with the rest of our executive team and Board- lead underwriting, legal and analytics departments.

Rothschild, Wisconsin, Us

– Sold the company to a new PE owner at 12x net income multiple– Grew the company threefold in origination volumes, customer base, assets under management, and profits– Created infrastructure and analytics for automated decisioning; Achieved 80% instant decisioning of applications (from zero), while improving performance of originations and generating operational savings– Built statistical risk models and a decisioning system with granular rules in a symbiotic relationship with underwriters– Enhanced pricing strategy to maximize total returns with accurate cashflow models– Revamped business monitoring through data visualizations and granular segmentation– Rebuilt data architecture to standardize data across the company and enable analytics– Drove data-driven recommendations to innovate, optimize, grow various business practices– Led and developed high performing analytics (20 analysts) and underwriting (30 associates) teams

Mclean, Va, Us

– Led the strategic agenda for customer acquisitions and management lending activities for co-branded credit card portfolio with $10B+ in assets, managing a team of 25+ analysts and data scientists– Developed and dispositioned lending strategies as an accredited Credit Officer – Optimized approval rates, credit limits, and customer engagement through data-driven strategies– Enhanced analytic credit infrastructure for data, modeling, valuations, testing, and monitoring – Interacted with internal risk groups and external regulators; resolved risk events affecting customers

Mclean, Va, Us

– Managed credit, modeling and analytic risk across card, auto, home lending divisions – Advised the Chief Credit Risk Officer on daily operations, including preparation for regular and special communications to c-level executives, board of directors, investors and regulators – Led departmental operations for a staff of 250+ associates, manage inter-department communications, budget, staffing needs, agenda and goals – Overhauled the corporate credit risk appetite and consumer credit risk monitoring frameworks to improve value and resilience measurement of portfolios and enable more informed risk taking– Partnered with leaders across the company to develop business and data strategies and recommendations– Actively led the organization by developing and contributing to recruiting and associate training strategies

Mclean, Va, Us

– Branded Card Credit Risk Officer ($60B in credit card assets, $20B in new credit grants per year) – Navigated CapitalOne's USCard portfolio through the great recession by assessing each strategy's quantitative strengths and weaknesses to manage capital, loss, and return constraints through changing macro and regulatory conditions like the Card Act, Basel 2, economic and competitive cycles. – Performed credit risk and strategic due diligence on business development opportunities, including the $30B acquisition of HSBC’s branded and partnership credit card businesses in the United States – Oversaw credit risk for customer acquisition, management and risk operation programs– Advised senior executives in shaping credit strategies, mitigating risks and codifying lessons – Interacted with regulators, and 3rd parties and represented the company in various conferences – Developed and administered credit risk training for credit officers and leaders across the company – Managed a team of credit risk advisors, analysts and credit policy administrators

Mclean, Va, Us

- Owned credit policy for Prime and Superprime segments- Analyzed risk worsening performance and developed orthogonal risk splitters to contract the business to a safe core- Assessed viability of the home improvement loans segment and developed recommendations to weather the Great Recession- Led team of 5 analysts

Mclean, Va, Us

- Credit Analyst and team lead for Consumer Credit Card Acquisitions on the Internet Channel- Developed profitable business strategies to improve online approval rates from 5% to 25% through lending strategies across the credit spectrum- Implemented a universe test to optimize initial product strategy and credit policy- Recognized by CEO for extraordinary results and teamwork (3rd time Circle of Excellence recipient)

Mclean, Va, Us

- Product Strategy and Credit Policy Analyst and Lead in various customer acquisition teams- Developed a new business strategy for the Cash Rewards product- Implemented a profitable lending strategy for high risk prime customers

Mclean, Va, Us

- Analyst in Card Customer Management team- Monitored performance of yield management programs and implemented optimized strategies to improve profitability

Mba, Finance, Management

Master Of Science, Mechanical Engineering

Bs, Mechanical Engineering