• Inform strategy recommendations and lead team on analysis aimed at decreasing charge off, increasing volume, and increasing loan size across multiple product types that include personal property secured, auto secured, and unsecured loans• Monitor portfolio across many KPIs including but not limited to delinquency, charge off, loan conversion, ROI, and NPV and proactively apply risk mitigation strategies• Create policy and parameters for underwriting personal property secured, auto secured, and unsecured loans • Present strategy recommendations for credit policy to executive team monthly• Manage data and reporting through SQL and Power BI

• Analyzed portfolio for opportunities to increase loan size to highest quality customers• Executed A/B test strategies in marketing campaigns and analyzed both short and long term results for successes and learning opportunities• Led monthly strategy sessions on direction of marketing campaigns to executive management that included recommendations on customer targeting and profit analysis to support recommendations• Took ownership of coding the decision engine which involved creating new processes to automate underwriting decisions and help centralize credit policy which ensured that all credit policy was implemented accurately

• Develop and maintain statistical models specializing in risk management• Automate, manage, and maintain multiple ad hoc reports• Analyze large and complex sets of data used in the development of statistical models