Responsible for maintaining and growing credit card partnerships at Credit Karma. - Ensuring quality digital marketing performance - Generating insightful product & industry analytics - Growing market share/presence

4 month accelerated course covering the Fintech sector -- current landscape, challenges, growth and opportunities

Head of the Credit Losses and Portfolio Analytics teams. Responsible for:1. FP&A - Quarterly loss financials (10-K, 10-Q), SOX control signoffs2. Credit Analytics - Allowance for Loan and Lease Losses (ALLL) monthly and quarterly reporting, Portfolio Risk and Industry trend analysis across the Commercial Lending portfolio3. Compliance - Regulatory and Accounting (GAAP) compliance 4. Regulations - ALLL, CECL, CCAR/DFAST, UDAAP/Fair Lending5. Product Strategy - Credit risk policy and underwriting standards for CRE and C&I loans6. People Leadership - Led and developed a team of 9 Managers and Analysts7. Organizational Transformation - Led restructuring of the analytics function, improving business reporting and proactive risk monitoring

Successfully helped bring in new business and produced client ready RFP/RFIs . Excelled at client management. Led various consulting projects within Financial Services across 4 functional areas; Product Strategy, Credit Risk Modeling/Regulatory, Compliance and Organizational Transformation. 1. Product Strategy projects included overhauling the customer segmentation and risk scores for credit card acquisition strategy, building models to improve multi-channel response rates and optimizing initial line assignments2. Credit Risk modeling/strategy engagements include CCAR, stress testing and AIRB model development and documentation, and PPNR / balance sheet forecasting – covering Mortgage, HELOC, HELOAN, Auto & Credit Cards3. Compliance engagements spanned defining corporate risk frameworks, market risk assessments, risk appetite / capital adequacy plans and model risk management framework evaluations and re-design4. Organizational transformation of a global bank’s Regulatory Program Office; redesigning the supporting org structure, implementing tools, training and SLAs for issue tracking & remediation and securing c-suite (CRO, CTO) approvals

Responsible for a global team of 8 Managers, overseeing Forecasting and Stress Testing for Mortgage, Loan and Small Business portfolios across the UK and Western Europe. UK/EU Retail Banking responsibilities include:- Capital Forecasting: RWA modeling and forecasting, CRD IV compliance, EL + ELBE estimates, BASEL3, CCAR- Impairment Forecasting: IFRS 9 modeling and impact estimates. Data driven forecasting of portfolio characteristics, including portfolio maturity, quality and seasonality models. Predictive delinquency and post charge off dynamics, incl. repossesions, write offs, collections and recoveries- Stress Testing: Managing and delivering both regulatory (European Banking Association, Bank of England) required and internal stress testing exercises for the retail bank. Developing portfolio (account level) models to predict incremental delinquencies, losses given default and economic losses. Experience with multiple types of internal and off the shelf models for loss estimates.- Risk Appetite: Estimating impact and likelihood of severe losses on provisions & RWAs, by customer segments within each portfolio. Advise on Mandate and Scale requirements at the Group level for each retail portfolio.- Managing infrastructure and process improvements: Automating baseline, data driven forecasting. Implementing contols and audit process to exceed regulatory requirements. Aligning all forecasting processes, across UK and Europe Retail bankBarclayCard Experience:- Acquisition Line assignment strategy: Determining the initial credit line to be assigned to Italy Card customers based on incremental utilization expectations driving marginal revenue vs cost (losses) optimization. Excel based optimization across multiple channels, risk segments, and product type.- Balance Build: Profitability of incremental revenue (net of incremental charge offs) from increased utilization following balance build offer. (UK Cards)

Business Analytics - Customer Management and Cross Sell Strategy. Work highlights include:- Yield Management: Developed and executed the 2009 Change in terms for Capital One, impacting over 13MM customers and generating over $1 Bn in revenue over 5 years. Redesign and the penalty interest rate strategy that applies to Capital One Card holders using core data analytics.- Dodd/Frank CARD Act: Build and simulate the impact of all relevant provisions in the US CARD ACT on the entire US credit card portfolio, including impacts on interest rate changes, fees, billing due dates, operational costs, etc.- Predictive Customer Analytics - Development account level model predicting customers most likely to attritite given a change in interest rate, and proactively providing interest rate incentives to retain them- Market research: Survey of customers conducted with a marketing firm, to get feedback on the effectiveness of various types of notices used to communicate a change in credit card terms and conditions.- Cross Sell management - Managing the business as usual operations for cross sell products and portfolio, maintaining the annual revenues over 2 years.- New product development - Developed and presented new product offers (including implementation capabilities) working with multiple vendors to complete business value and execution requirements.- Card Customer Management: Account level Net Present Value (NPV) modeling for the revolving customers- Revolver customer profiles: Developing segments within the revolving customers for Capital One cards, to identify different customer needs and design proposal to tailor products and services that vary across the different revolving customers and their needs- NPV modeling, cash flow statements, risk/reward analysis, SAS scripts to automate analysis. Residual Monitoring analysis (ReMo), CART / TreeNet used to design test/control strategies.