Head of Retail Strategy, leading strategy and analytics for both Retail Sales (Consumer Direct, Retail LO) and Retail Operations

Sales Performance Manager

Dealer Prime Business Segment lead.Responsible for credit policy, pricing, and strategy for $9B auto lending business.

Head of Strategy and Valuations in Mortgage.Lead a team of associates on valuations, forecasting, and strategy.Launched a new valuation model, which saw the first analytic platform at Capital One to be fully on the cloud, as well as improve speed and convert model from excel to PySpark.Forecasting team provided visibility for senior leadership into impacts of strategy changes, sales channel mix, staffing, industry shifts, marketing strategy to profitability and volume.Improved credit infrastructure.Taught Financial Services Valuations Advanced Credit College class.Lead subservicing project to sell delinquent servicing portfolio.

Home Loans M&A Business Manager leading Valuations and Credit Infrastructure for Mortgage at Capital One.Lead the valuations team in Mortgage, fine tuning current ALV model, leading a model rebuild. Training analysts on valuations for credit decisions. Leverage SQL, SAS, Excel, PolyPath and Python in collaboration with Data Scientists, Data Analysts, and Business Analysts to guide the Home Loans team on the Path to Profitability.Lead the Credit Infrastructure for COF Mortgage.Project lead with LMI team (low to moderate income) to ground prepayment behavior for Community Reinvestment Act (CRA) home loans. Interesting yet complex project due to different exogenous dependence of CRA products and subsidies.Regrounded R&W (Rep and Warrant) costs for HFS loans. Aligned process flow with different teams to have consistent definition across the business.Improved overall Credit Infrastructure of program, and maintained higher rating throughout tenure.Critical to achieving best ever financial performance of COF Mortgage LOB, including its first ever profitable quarter and year.