• Led a cross-functional team of product, data science, engineering, and analyst associates• Built and deployed a new suite of machine learning powered tools, using a variety of new and novel techniques, to detect pockets of credit worsening. Supported business in trimming $500M of higher risk, under-performing exposure• Built a new data ecosystem to provide an integrated view of customer’s experience with Capital One’s line increase strategy by stitching together data across 12 microservices, making analytics and model building easier and lower risk• Refactored card’s credit tools (valuations software, internally built business intelligence tools) to port them to a new enterprise platform, improve code quality and ease of use• Provided regular reports to the President of Card and his leadership team on credit trends

• Led a cross-functional team of product, data analyst and engineering associates to build feature capabilities, including an enterprise feature platform in support of broader and faster adoption of machine learning at Capital One• Increased number of features (predictor variables) available for use in new account acquisitions, enabling better models and increasing value by $100M per year• Onboarded Capital One's enterprise servicing site and app (EASE) to the new enterprise feature platform, enabling retirement of a legacy system and increased velocity in adding new capabilities

• Led a team of business and data analysts with dotted line oversight of a data science team• Increased acquisitions annual value by $200M by launching new, more powerful risk models• Decreased time to refit valuations models by factor of eight, while increasing accuracy by deploying new techniques• Strengthened oversight of credit by building new, automated monitoring and establishing review processes with senior leaders, including the President of Card• Oversaw strategic changes in response to COVID-19 to protect the business

• Led a team of business analysts driving product strategy, approval policy, and line assignment for customers in Capital One’s mass market credit card segment applying through online channels. Booked 3.5M accounts per year• Managed transition of program infrastructure from on-premises mainframe technology to the cloud, supporting hundreds of millions of dollars in future value through a more flexible and powerful platform• Oversaw year-long regulatory engagement related to credit card sales in branches, including using innovative techniques to detect any anomalies. Resolved issues to examiners’ satisfaction• Optimized pricing strategy generating $50M increase in annual acquisitions value

• Led Capital One's effort to assess entrance into personal loans business. Led a team of business analysts, engineers and operational associates• Defined technical architecture for personal loans platform and oversaw work to build a minimum viable product• Led strategic and credit analysis to identify most profitable and resilient segments

• Led Capital One Card's multi-product strategy team, which marketed upgraded cards to Capital One’s best mass-market card and deposit customers• Launched strategies for marketing cards to existing card customers, generating 500K accounts and $100M in annual value• Achieved best-in-class penetration of card relationships to deposit bank customers by launching direct marketing strategies for direct mail, email, and online intercepts• Launched account combinations product, which allowed customers to combine multiple card accounts into one, increasing Net Promoter Score for multi-product customers

Served as analyst and people manager on a variety of Capital One’s credit card strategies, including credit limit increases and decreases, balance transfers, yield management, and new account acquisitions. Drove analysis through the Great Recession and CARD ACT to assess impacts and recommend mitigations. Optimized marketing, credit policy, and pricing; built valuations models using new techniques.

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