Dylan Edwards Email & Phone Number

New York, New York, US

New York, New York, US

London, England, GB

• 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.

New York, NY, US

• 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%.

Bay Harbor Islands, Florida, US

• 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.
• 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.

Bay Harbor Islands, Florida, US

• 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.

Ba, English, British-American Culture Studies

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