- Macquarie Bank LTD (Australia) – Assessed current state of Collections Operations onsite in Sydney Australia, identified $3.5MM in cost reduction and operational benefit.- Redesigned IT enterprise data warehouse for Fortune 500 financial institution to streamline analytics consumption and integrate data from the front book with data from the back book and created a system of alerts to ensure FFIEC compliance from underwriting through to servicing.- Completed a detailed market valuation for KNA Solutions staffing company utilizing a discounted cashflow model. Rebuilt all of their automated processes so that they could be converted to SQL.- Designed and implemented a comprehensive branding strategy for Best Darn Brands, a small startup, selling personal protective equipment and hand sanitizer products during the pandemic. - Sold and supported AML audit tool across 30 smaller regional banks.

- Barclays Bank USA (Delaware) – Created Top Operating Model for customer communications allowing a conversion of half of paper correspondence to digital saving ~ $8MM annually- Santander Consumer USA (Texas) – Redesigned Automotive Pricing Strategy to meet regulatory requirements while maintaining desired return on asset targets and identifying elasticity within customer segments

- Manage the Global Risk MIS Team consisting of Data Analytics and Management (reporting and ad-hoc analysis) and Risk Systems (Risk application support) with 4 direct reports- Responsible for all standardized reporting within Risk US and abroad, including all automated daily, weekly, monthly and quarterly underwriting, vintage performance and Collections reporting- Implemented Risk Data-mart containing unified data for Applications, Loans, Event/Transactions and Vintage (month-end) spanning across all products.- Created an Excel Power Pivot tool which facilitated analysis of vintage performance wedges and payment/default strategies that were used to minimize delinquency and maximize revenue throughsegmentation analysis on a portfolio that grew from $0 to $60MM in outstandings in 6 months- Implemented an automated behavior driven Collections dialing strategy resulting in an $800K annual charge-off save for one line of credit product. Currently expanding to other products.- Supported third party data strategies (Direct Mail, Collections and Account Management Scoring)- Responsible for all analytical processes driving US Collections- EMEA International Risk- Managed US data ETL (SQL SSIS) and Risk reporting for all UK products- Built out UK analytics dashboards on daily and weekly performance automated in SAS and Excel- Developed new loan behavior model based on first pay defaults and new delinquency entry ratesof various UK demographic segments lowering FPD rates on new loans by 200bps- Analyzed effectiveness of UK underwriting strategies and implemented decision engine changes

- Manage the Global Risk MIS Team consisting of Data Analytics and Management (reporting and ad-hoc analysis) and Risk Systems (Risk application support) with 5 direct reports- EMEA International Risk- Managed US data ETL (SQL SSIS) and Risk reporting for all UK products- Built out UK analytics dashboards on daily and weekly performance automated in SAS and Excel- Developed new loan behavior model based on first pay defaults and new delinquency entry ratesof various UK demographic segments lowering FPD rates on new loans by 200bps- Analyzed effectiveness of UK underwriting strategies and implemented decision engine changes

- Manage the Data Integration and Deployment Team for Value Matrix with two direct reports.- Responsible for the Validation of the Forecasted PNL Drivers encompassing one hundred and eighty eight different customer segments for the $250 million new account plan.- Implemented behavior modeling tool to forecast future customer behavior mix of new accounts.- Responsible for all SAS data sources maintained by Value Matrix which serves as the foundational data for Marketing, Finance, Risk, Product, Segments and Pricing.- Developed automated validation controls which cover all automated operational processes.- Responsible for migrating SAS data sources from unix based operating environment to a SAS EBI Business Intelligence platform- Managed the development and deployment of Dashboard Reporting and Web Reporting on key PNL drivers within SAS EBI framework. - Developed and Implemented Credit Card Retention Strategy using NIBT maximization model

Manage the Strategic Implementation Team with five direct reports whose responsibilities include all data processing within collections utilizing SAS (Unix SAS and Enterprise Guide), SQL, Artiva, BPM, the Microsoft Office Suite and automated scripting (VBA and Reflections).- Collections Process Owner for SAS (Optimization and Performance), Daily Dialer Processing, Inventory Control (including both the pre and post charge off portfolios), TSYS Batch Processing and Daily Automated Reage Processing- Responsible for all SAS data sources maintained by Collections.- Developed intra-day automated controls which cover all automated operational processes including Dialer, Reage, Payment Programs, Recovery, BPM, TSYS SAS Collections File builds, 3rd Party Vendor data management and automated process scheduling (Unix Cron).- Created and automated operational and strategy related process reporting and data analytics for various functions within Collections Operations.- Manage Operational Strategies associated with daily dialer functionality - Oversee implementation of Post Chargeoff Vendor Placement strategies via Artiva.- Developed and maintain a real-time Reage decision strategy in SAS that automated reage processing for 95% of Reages performed by Barclaycard US- Led automation initiative with the goal of minimizing manual processing.- Led a training initiative to teach data users both about the data structures used within the bank and how to utilize simple SAS commands to allow them to self serve on frequent data requests.- Implemented US-to-UK Real-time data feed for Collections Operations metrics.

Developed underwriting strategies for the Direct Automotive Loan Portfolio- Developed 2006 hurricane impact analysis to assess the lagged risk demographics which involved contacting affected branches and dealerships to gather analytics on damage which decreases vehicle value.- Created monthly origination and performance reporting for the Direct Auto portfolio which summarized important portfolio trends using various metrics and scorecards.- Created risk based pricing segmentation strategy, with multiple risk tiers, for Direct Auto- Developed a Recommended Approval challenger scenario CHAID in Knowledge Studio.

Created and implemented underwriting strategies for the personal and equity loan portfolio.Managed and programmed the automated underwriting system that decisioned over 90% of the incoming loan applications.- Managed the Consumer and Business credit strategy implementation group with two direct reports.- Developed and implemented credit strategies using SAS and Strategyware.- Developed automated decision logic responsible for underwriting more than 90% of the applications the bank receives and directing the flow of the other 10% to the manual underwriting queues.- Used statistic techniques, for instance hypothesis testing and regression analysis, along with Answer Tree software to analyze pricing structures as a function of risk to develop risk-based pricing model.- Adapted various Six Sigma methods, such as control charts and stratified sampling techniques, to monitor and maintain production level quality control of application flow, functionally recreating a TQM infrastructure in a financial setting.- Recreated/automated a vintage reporting infrastructure designed in SAS, VBA and Excel to produce a formatted graphical output for management.

Responsible for writing and maintaining the Portfolio Management portion of the Credit Policy Manual.- Built and updated monthly and quarterly reporting used to support Credit Policy compliance- Created a high line report that allowed identification of credit lines in excess of $100,000.- Developed an Access front end that allows Oracle queries to be done on a single account and which are output into an Excel pivot table for analysis.- Lead on a project, reporting to the Chief Credit Officer, looking at the frequency of Reages and potential impact caused by FFIEC mandated Reage limitations on the portfolio for 2004 and 2005.- Built and maintained the Customer Development Risk Management internal website which served as a central report repository for all of the different areas of risk management as well as housing a web based version of the Credit Policy Manual, easily accessible to those who needed to review the latest versions of the policies for decision making purposes.