I am an accomplished executive with global experience that has held senior leadership roles for companies such as EZcorp Inc., Dollar Financial Group, Lloyds TSB, GE and Experian. I have a proven executive management track record and over 20 years’ experience delivering consumer lending products offline & online, utilizing complex analytical instruments such as AI, Machine Learning and traditional multi variate models and have experience in small business portfolio management. CEO level experience, P&L owner, deep consumer lending, large staff management and credit risk management expertise. Senior roles held have been Chief Risk Officer, Chief Credit Officer, Managing Director of Analytics, Chief Data Officer.• Global consumer lending experience (United States, Mexico, Canada, UK, Poland, Finland, Sweden, Spain, Colombia, Vietnam) • Advanced machine learning experience in developing marketing, credit, fraud & collections scoring to improve asset quality, consumer experience, operations efficiency and underwriting improvements• Consumer installment loans (short/long term), online, retail, credit card portfolio, and operational risk• Consumer lending consulting (Risk, Marketing, Finance, & Analytics) • Strategic plan development