● Owned and structured the delivery, running, and optimization of the creditmanagement workflow to ensure fair outcomes in conjunction with company riskappetite.● Conducted reviews of individual stressed and bad debt accounts for missed risksignals in order to deliver actionable policy recommendations.● Composed formal credit policy change and exception requests for charter bankreview.● Collaborated daily with Operations, Compliance, and Collections teams to maximizeknowledge-sharing, including new risk patterns, process gaps, data-sharing, andevaluation of new data sources.● Facilitated new credit risk pilots based on a combination of intuitive credit experienceand ad hoc data analysis.

● Founding member of a fintech company that was designed, launched, and acquired in less than one year.● Integral member of the senior leadership team contributing in areas of decision making, personnel evaluations, technology advancements, and partner strategy development.● Designed, implemented and refined entire risk policies and procedures for assessing, pricing, and servicing small business e-commerce merchants with a specific focus on Amazon FBA and Shopify.● Hired and trained a team of underwriters and analysts to develop risk models for analyzing new marketplaces and platforms to increase merchant universe in a scalable fashion.● Guided tech and product teams to drive automation initiatives such as bank and marketplace APIs, KYC/KYB vendor APIs, and instant risk decisioning.● Led department to exceed quarterly origination targets with loss rates of less than 1%.

● Led, motivated, coached and provided direction to a team of underwriters and credit analysts responsible for assessing new accounts, renewing existing accounts and maintaining and monitoring conditions on accounts and the contract database.● Developed key workflow procedures to ensure credit compliance and sharply reduce default ratios while simultaneous increasing funding totals.● Collaborated to overhaul entire workflow process, including comprehensive changes to pricing procedures, portfolio monitoring, and reporting methodology.● Routinely audited portfolio to ensure credit policy adherence, performance, risk pattern consistency, and made recommendations to asset management department.● Led daily operations meetings to ensure timely progress and interdepartmental communication to maximize funding goals.

● Responsible for assessing feasibility and credit worthiness of new and renewal merchant applications by means of reviewing cash flow, financial statements, credit reports, Clear reports, Lexis Nexis, and bank statements.● Created, designed, and expanded entire risk framework and funding process to establish clear and consistent understanding of company workflow and underwriting policies● Collaborated to develop automation and technology efficiencies in key areas such as pricing, diligence review, and performance reporting.● Optimized terms and structures of advances to maximize returns and minimize potential defaults.

● Managed team of contract administrators within underwriting department, including contract assignment and pipeline management.● Contributed to a monthly funding total increase from $1 million to $4 million.● Verified legitimacy of businesses, collaborated directly with merchants to obtain necessary documentation for funding purposes.● Executed fraud checks and key verifications to ensure accuracy of client information including credit, judgments, liens and loans.● Built influential relationships between external and internal resources aiding inexpedient investigational practices.