Ocrolus enables financial services companies to make high-quality decisions, with trusted data, at scale. At Ocrolus, I lead our analytics product and business line, working to advance the development of transformative, data-driven solutions across multiple asset classes.

* Built and led centralized global analytics function for Kabbage, the largest US-based online small business lending platform* Developed analytical framework and multi-product data infrastructure during a period of massive scale, helping drive 50% y/o/y growth in the core lending business as well as the launch of multiple new product areas, including payment processing (Kabbage Payments) and financial planning tools for small businesses (Kabbage Insights)* Managed global team across multiple U.S. offices and Bangalore, India. Revamped organizational structure and implemented Agile cadence in analytics and data organization to increase impact, transparency, and cross-company alignment. Risk analytics, portfolio analytics, collections analytics, fraud analytics, prospecting analytics, customer marketing analytics, product analytics, and reporting/BI.* Led post-acquisition integration of Orchard technology, data, and team members into Kabbage’s platform and business. Took great pride in seeing so many Orchard alumni thrive and advance their careers at Kabbage!* Advanced technologies and techniques used for working with data. Democratized access to data and trusted analytics throughout a growing and geographically distributed organization. * Developed and launched Kabbage Small Business Revenue Index, using real-time data to provide insights into the companies that fuel the U.S. economy and making these trends available for public consumption and research* Co-led Kabbage's 2019 acquisition of Radius Intelligence, adding class-leading data aggregation, entity resolution, and prospecting capabilities* Winner of Kabbage 2019 hackathon :)

Developed leading analytics and trading technology platform to accelerate and support the growth of the global Online Lending market. Facilitated billions of dollars in transaction volume and capital allocation between lenders and investors. Acquired by Kabbage in May 2018.Built and led multiple business functions over history of company, including Data Science, Research, Product Development, Marketing, and Client Solutions. Initiated and managed partnerships with major clients and investors. Established Orchard as a central driver of growth in the Online Lending ecosystem.

Lead team to manage analytically-driven credit strategies for the full customer lifecycle, including acquisition marketing, growth initiatives, underwriting, line assignment, pricing, exposure-mitigation, and portfolio management.

- Lead Customer Management Analytics & Strategy team for Small Business Banking, responsible for analytics and execution related to growth, marketing, cross-sell, and exposure-mitigation activities for thousands of businesses nationwide- Develop and execute customer marketing programs to grow loan volume with high-quality small businesses. Launched inaugural proactive line increase and cross-sell programs – driving high response rates and resulting in over $40MM new funding commitments.- Manage relationships and negotiate contracts with external partners, including major data vendors, potential sales/distribution partners, and consulting/IT firms- Develop and execute strategies to limit exposure to high-risk customers. Introduced score-based risk assessment tools to increase efficiency and effectiveness of credit analysts, dramatically reducing risk in the portfolio and freeing up capital for high-quality growth- Built a web-based customer evaluation tool to help bankers match the right businesses with the correct products, rolled out to 1,000 branches nationwide in 30 days with zero IT cost- Conducted training for 600 in-branch bankers, focused on the discussion of credit with small business owners- Hiring and direct management of a team of analytical professionals- Chair of Best Practice Forums on Data Management and Marketing/CampaignsWinner of 2012 CitiStars Leadership in Excellence Award - given to top 1% of performers company-wide

- Head of Analytics for startup travel website- Designed and coded comprehensive analytics infrastructure - used to track, understand, and optimize every area of the business, including customer acquisition, on-site behavior, inventory, and commerce- Developed interactive, web-based analytics portal to enable analysis by non-technical employees- Led all quantitative digital marketing activities, including paid search (SEM), email, display; built tools to monitor & optimize marketing channels- Led efforts around conversion, testing/optimization, pricing strategy, and personalization. Developed, executed, and measured A/B tests of user experience to increase conversion.- Developed pitch decks and analytics; presented to potential investors as part of $10MM financing round

New accounts underwriting for consumer cards as well as end-to-end risk management for new products, cobrand deals, and M&A deals- Represented Risk Management organization as part of cross-functional deal team competing for new cobrand partnerships- Maintained responsibility for determining the necessary credit requirements to approve a new consumer card account, using predictive models, external credit bureau scores, customer performance, and other data to make 6MM underwriting decisions per year- Drove changes to new account underwriting policy to preserve profitability and stem losses during challenging economy of 2007-09- Conducted due-diligence for potential U.S. and International acquisitions- Managed $1B cash advance portfolio, leading and implementing reengineering projects worth a projected $55MM in PTI- Developed flexible, efficient reporting system, increasing transparency for senior management, the financial community, and regulatory agencies; managed two technical contractors to systematize weekly and monthly reporting process - Initiated relationships with external companies to partner for incremental data, improved underwriting, and increased acquisition- Participated in five-day leadership training as part of highly-selective leadership development program for top senior managers- Promoted from Manager to Senior Manager, February 2008Honors & Awards:- American Express Chairman’s Award (2009) for outstanding leadership and innovation during the financial crisis- Risk Management Leadership in Action Award (2008) for the development of several internal and external partnerships

Healthcare provider strategy for medical schools, hospital groups, and insurance companies- Developed dynamic financial model for a top-5 medical school to support construction of a $340M research facility, conducting interviews with staff and synthesizing data from various sources- Performed market-based and income-based valuation of an HMO in preparation for $50MM acquisition, identifying trends in price multiples based on similar recent transactions and relevant financial data- Trained in consulting methodologies as well as data analysis, creativity and innovation, healthcare industry, and strategic planning

- Developed proprietary “BridgeBuilder” technology for the production of universally accessible web content for the publishing, education, and entertainment industries- Won $15K “Technology in the Works” grant from U.S. Dept. of Education to test BridgeBuilder in a school for the blind. Results presented at Technology Innovators Conference, November 2005