Jose F. Email & Phone Number

Oxnard, Ca, Us

Created an omni-channel SQL database reporting on more than 1,000 products and many millions in yearly revenue. Developed a data warehouse with imported data from internal and external partners, segmented by revenue source, product details, etc. Developed an ad hoc reporting system on the Google Looker BI platform for easy, but detailed, sales reports.Review sales performance of more than 1,000 products and forecasted potential sales 5-6 months into the future.Developed preliminary sales plans using product data, inventory planning, and customer trends as a bottoms-up approach to sales planning. Worked with ecommerce managers to finalize revenue plans for events.

Oxnard, Ca, Us

Improved accuracy of sales projections for new products using statistical distributions of historical sales.Created dashboards and ad hoc reports for staff to track monthly sales progress, discount line percent, and KPIs.Leveraged Python and data science techniques to advise staff on customer behavior, lifetime value, attrition, etc.Supported data needs of several teams including manufacturing, marketing, and customer service and product development.

Oxnard, Ca, Us

Boston, Ma, Us

• Assisted project consultants in preparing business forecasts and plans, and other financing assistance services for FQHCs.• Reviewed financial audits and statistics/metrics contained in Capital Link’s SQL financial audit database and financial statements from clients to prepare performance evaluation profile reports including financial analysis and summary write-ups.• Gathered and prepared data and information for market assessments and developed reports/analyses to determine market growth opportunities and demonstrate community healthcare needs for FQHCs.• Presented webinars to audiences of 100+ viewers on operational and financial national trends, based on our SQL data.

Boston, Massachusetts, Us

Primarily responsible with overseeing portfolio quality and risk. Developed requisition process for disbursing funds to borrowers for constructions projects. Provided accounting and cash management support for the organization.Developed and oversaw the organizational construction requisition process. Process involved review of AIA construction documents, title / lien search reports, inspection reports, and finally review of all lenders before disbursed funds to financed projects. (8 hrs. / week)Supported organizational accounting functions, such as reviewing accounts payable and accounts receivable, cash debits and credits from funding pools, and preparation for annual financial audit. Reviewed accounts for financial reporting, adherence to New Markets Tax Credit financial projections, and covenant compliance. (8 hrs. / week)Project: Loan Management Software (LMS) – Coordinated implementation of loan software, migrated historical data, trained colleagues. Reviewed possible vendors, recommended product based on criteria and budget. (10 hrs. /week, September – November 2018)

Providence, Ri, Us

Responsible for underwriting and servicing a subprime, half-million-dollar portfolio targeting very low income individuals and families. Assisted with the development and roll-out of several lending products, such as auto-loans and small-dollar loans.Oversaw day-to-day lending operations, such as underwriting, credit reporting, database systems development and troubleshooting, payment batch processing, and debt collections data analysis. Supervised two full-time loan officers and a part-time administrative assistant. Key Stats:1) Sustained an overall 91% repayment rate on loans underwritten for sub-prime borrowers.2) Oversaw a disbursement of $250,000 in capital to hundreds of low income, high risk families and individuals over three years, while sustaining a default rate of 3.5%, and a portfolio at risk rating of 3% or below. 3) Executive project sponsor on systems upgrade project with contractor Fidelity Investments (5 hrs. /week, May-October 2015) that improved website experience for clients.Staff Page @ Archive.org:https://web.archive.org/web/20160721233716/https://capitalgoodfund.org/aboutus/thestaff

Providence, Ri, Us

Produced loan portfolio performance reports that included write-offs, loan portfolio at risk, and aging.Developed a web-backed portal using .NET language and Model View Controller framework that allows clients to register accounts, fill out applications, securely send financial documents, and receive messages.Underwrote loans using traditional underwriting methodology for sub-prime clients. Developed traditional underwriting policy and guidelines that allowed evaluation for clients with subprime credit.Produced descriptive statistics from financial data of low income clients using statistical software STATA, that helped build profiles of customer characteristics.

Providence, Ri, Us

Used statistical inference and data analysis to improve Capital Good Fund’s micro-financing program. Refine alternative credit algorithms using parametric data for low-income and financially distressed clients and improve the program's underwriting process. Increase social impact of Capital Good Fund’s financial services in the low-income and financially distressed community at the lowest operating cost. Improve financial literacy and access to information using findings from analysis. Perform primary research to determine the social impact of Capital Good Fund’s micro-financing program in the local community and public schools.Implemented and supported the back-end technology – computer equipment, cloud servers, network, IT services – necessary for Capital Good Fund’s business operations.Staff Page @ Archive.org:https://web.archive.org/web/20130517043023/http://www.capitalgoodfund.org/aboutus/thestaff

Washington, Dc, Dc, Us

I synthesized qualitative information from federal employees and quantitative data from the Best Places to Work in the Federal Government index rankings to produce summary reports that outlined possible causes of workplace dissatisfaction and under-productivity within federal agencies.Compiled a literature review for an Executive Brookings seminar on Future Issues in Federal Human Capital Management.Proposed and organized a benchmark to the White House Office of Management and Budget to gain insight into financial and management mandates in the federal government.Installed a live internet broadcast video system using YouTube Live for non-profits. Assisted in procuring equipment and obtaining a licensed account from Google; wrote a technical instruction document to create and stream an online event; assisted staff in leveraging online streaming technology to market services and increase outreach of events.Created an spreadsheet to track feedback from evaluations collected from workshop attendees at the end of sessions; summarized the results of feedback accumulated over several months using Excel formulas, graphs, filters, and pivot tables.

Dubai, Ae

Prepared a literature review on the use of non-financial rewards to motivate educators in low income regions of the Middle East.Assisted in translating and administrating an Arabic survey to to Middle Eastern students.Contributed observations to a working policy brief discussing entrepreneurship as a vehicle for youth to rise out of poverty.Assisted IMF economist Tarik Yousef in preparing a policy brief on the issues with the progress of urban development in the Middle East by summarizing articles and book excerpts.

Wallingford, Connecticut, Us

Created marketing, advertising, and training material as digital one-page documents; staff and managers used one-pagers to quickly reference summarized technical information for products. Solicited quotes from print shops and handled print orders for marketing materials.Worked with an outside publisher to revise a large portion of the product catalog. The revised product catalog could also be reproduced in a web portable format for email or distribution. This long term project involved retrieving technical characteristics from a database and updating the print catalog with any new information. Started an online electronic newsletter using Dreamweaver and Photoshop, and circulated the newsletter through e-mail and PDF to clients and distributors. Created an online blog to publish company news using Word Press and over a custom domain.Updated contact lists of suppliers and distributors using Excel spreadsheets, then prepared custom marketing packets targeting the contacts industry and needs.

Assembled documentation to apply for government entitlements and permits with local, state, and federal agencies.Obtained documents and technical information from government employees and clients for projects.Maintained an updated list of the firm’s contacts with pertinent relationship details.Produced graphics, illustrations, and diagrams to for special interest applications and conditional use permits.Drafted memos, transmittal letters, and emails to clients; proofread documents and correspondence.

Maintained network security by auditing computers for software and hardware, removing mal-ware and viruses, as well as maintaining client workstations in working orderDemonstrated technical tasks to end users, such as presenting a Power Point show using a projector and laptop.Installed and performed troubleshooting of software and hardware for end users.

Master Of Public Policy, Economics & International Relations

Bachelor'S Degree, Business Administration & Marketing

Associates Degree, Liberal Arts