Created first targeted direct mail strategy and the associated machine learning response model for a private equity backed dental service organizationDeveloped credit card, personal loan and auto loan credit policies for large regional credit unionAdvised leading card network on transaction underwriting for charge cardsDeveloped personal loan pricing strategy for both fin tech and leading international bank

Directly managed 15 person team and served as P&L owner for credit card portfolio with $5B in assetsLed cross functional effort to cease new account originations to align with shift in global corporate strategyManaged conversion of largest partnership business to branded portfolio following the contractual termination of the partnership

Developed and managed business development and staffing process as firm expanded from 10 to 25 consultantsCreated and implemented strategic plan to centralize lending operations and double portfolio size at a billion-dollar subprime installment lenderDesigned line increase strategy for Canadian credit card issuer that generated more value without increasing loss ratesAssisted in organizational transformation of Australian bank looking to improve analytics capabilities in its consumer banking businessConducted multiple diligences for private equity investments in both new and established lending businesses

Led diligence of nascent subprime installment lender and proposed debt covenants to ensure both profitability and transparency of the investmentDeveloped credit infrastructure recommendations for a top Latin American Fintech

Managed team of analysts tasked with developing credit policy and product strategy for online credit card business that originated over 3MM new accounts per year Tasked with maintenance of valuations model used for decision making and forecasting for both direct mail and internet credit card originationsDeveloped and implemented credit policy that uses alternative data to approve customers that would otherwise have been declined based purely on credit scoreDesigned and implemented new exposure granting strategy to dynamically react to changes in credit performanceUpdated online product suite to optimize value generation by improving margins and simplifying decision process for consumersAccredited as Model Risk Officer and assigned to identify model and regulatory risk for partnerships private label valuations model Served as primary point of contact to Risk Management division in loss forecasting process for earnings call

Managed team of analysts tasked with developing credit policy and product strategy for online acquisitions of new subprime credit card customers Designed and implemented randomized test to inform future credit policy expansionsLaunched 300k account expansion into population without traditional credit scoresLed competitive intelligence team that delivered quarterly reports to prepare CEO for earnings call

Developed healthcare enrollment forecast used in recommendation for M&A strategy decision at a Fortune 100 clientFacilitated rollout of new B2B pricing structure by developing analytical tools to enable client acceptance across sales, marketing and finance departments

Orchestrated 25 person effort to convert HSBC valuations models to Capital One model governance standard prior to OCC mandated deadlineLed team of five associates in development of statistical valuations model that enabled an incremental 400k accounts per year through improved underwritingPresented findings of statistical valuation model build to executives at a Fortune 200 client to solidify Capital One’s relationship as their private label credit card issuerManaged relationship with auditors and federal regulators to ensure compliance of valuations model with credit card legislation and model governance policyCreated loss projections for HSBC's $30 Billion credit card business in order to accurately assess the value of the portfolio prior to acquisitionLed team of 60 associates in developing and executing campus recruiting strategy that increased Capital One hiring at Penn State by 200%Managed interaction between Marketing, Operations and Credit Risk Management to successfully execute monthly credit card solicitation of five million prospective customers