𝗗𝗔𝗧𝗔 𝗦𝗖𝗜𝗘𝗡𝗖𝗘 | 𝗥𝗘𝗦𝗘𝗔𝗥𝗖𝗛 𝗦𝗧𝗥𝗔𝗧𝗘𝗚𝗬 | 𝗧𝗥𝗔𝗡𝗦𝗙𝗢𝗥𝗠𝗔𝗧𝗜𝗩𝗘 𝗗𝗔𝗧𝗔 𝗜𝗡𝗦𝗜𝗚𝗛𝗧𝗦I oversee data optimization initiatives for Freedom Debt Relief, the debt settlement division of Freedom Financial Network. As a company spokesperson and data scientist, I drive the enterprise data strategy and lead the research to empower consumers to make better financial decisions through data. 𝗦𝗲𝗹𝗲𝗰𝘁 𝗔𝗰𝗰𝗼𝗺𝗽𝗹𝗶𝘀𝗵𝗺𝗲𝗻𝘁𝘀: ➤ Authored and co-authored papers analyzing the impact of debt settlement. ➤ Facilitated effective communication with regulators and consumer advocates.

𝗥𝗜𝗦𝗞 𝗠𝗢𝗗𝗘𝗟𝗜𝗡𝗚 | 𝗦𝗧𝗥𝗔𝗧𝗘𝗚𝗜𝗖 𝗣𝗥𝗜𝗖𝗜𝗡𝗚 | 𝗦𝗖𝗔𝗟𝗜𝗡𝗚 𝗜𝗡𝗙𝗥𝗔𝗦𝗧𝗥𝗨𝗖𝗧𝗨𝗥𝗘 | 𝗧𝗘𝗔𝗠𝗕𝗨𝗜𝗟𝗗𝗜𝗡𝗚At Freedom Financial Asset Management (lending division of Freedom Financial Network), I built an exceptional analytics team from the ground up and re-architected the entire credit risk infrastructure. This included developing algorithms and systems across mission-critical credit risk models, loss forecasting models, and pricing engines. I also ensured executives received actionable insights by overhauling the model and portfolio monitoring. 𝗦𝗲𝗹𝗲𝗰𝘁 𝗔𝗰𝗰𝗼𝗺𝗽𝗹𝗶𝘀𝗵𝗺𝗲𝗻𝘁𝘀➤ Owned all credit risk models and tools needed to support the company’s two unsecured loan portfolios. Engineered new credit risk infrastructure that responsibly grew MPL book by 37% and increased returns by 43%, while reducing the weighted average FICO by nearly 20 points. Also increased returns of captive subprime book by 13% and reduced losses by 25%. ➤ Re-architected credit risk infrastructure, serving as a foundation to achieving AAA status by two rating agencies. ➤ Pre-pandemic ABS deals underwritten with the new credit model provided an improvement in returns of up to 105% over deal decisioned by the earlier model, with a strong track record generating heavy demand. ➤ Lowered cost of borrowing and increased access to capital through strong and consistent credit performance.➤ Saved $2M+ annually across the enterprise by reducing data costs through effective negotiations. ➤ Introduced impactful machine learning models introducing innovation to direct mail operations. ➤ Standardized the data model and improved data accuracy using a cloud-based big data tool.

𝗦𝗧𝗥𝗔𝗧𝗘𝗚𝗜𝗖 𝗔𝗡𝗔𝗟𝗬𝗧𝗜𝗖𝗦 𝗖𝗢𝗡𝗦𝗨𝗟𝗧𝗜𝗡𝗚 | 𝗔𝗗𝗩𝗔𝗡𝗖𝗘𝗗 𝗔𝗡𝗔𝗟𝗬𝗧𝗜𝗖𝗦At End-to-End Analytics, an advanced analytics consulting company, I led the financial services practice area, where I utilized my expertise in credit risk, predictive modeling, segmentation analysis, and data sources to solve complex challenges across diverse industries. In this role, I explored new technologies and empowered customers through advanced analytics solutions. 𝗦𝗲𝗹𝗲𝗰𝘁 𝗔𝗰𝗰𝗼𝗺𝗽𝗹𝗶𝘀𝗵𝗺𝗲𝗻𝘁𝘀➤ Provided impactful strategic guidance to multiple clients on analytics solutions across product, customer relations, risk management, underwriting, pricing, and portfolio management functions. ➤ Helped a client avoid multi-million-dollar revenue leakage by developing a system of decision trees with actionable business rules. ➤ Automated demand forecasting for tens of thousands of SKUs for a client to prevent shortages due to holiday demand spikes. ➤ Analyzed historical pricing variability to uncover more profitable pricing opportunities.

𝗥𝗜𝗦𝗞 𝗠𝗢𝗗𝗘𝗟𝗜𝗡𝗚 | 𝗣𝗥𝗢𝗗𝗨𝗖𝗧 𝗩𝗜𝗦𝗜𝗢𝗡 | 𝗖𝗢𝗠𝗣𝗟𝗜𝗔𝗡𝗖𝗘 | 𝗚𝗢𝗟𝗗 𝗦𝗧𝗔𝗡𝗗𝗔𝗥𝗗 𝗔𝗡𝗔𝗟𝗬𝗧𝗜𝗖𝗦I was progressively promoted and entrusted with FICO’s flagship product, the FICO Score. I was the architect for FICO 8 and 9, in addition to involvement with 40+ FICO Score versions, utilized in the U.S. and Canada. I developed the strategic vision and oversaw the technical development, maintenance, research, and analytic support for FICO Scores and products, which are used in 10B+ decisions a year. I also guided the development of new products and led a high-performing team of data scientists, including Directors and Senior Managers. 𝗦𝗲𝗹𝗲𝗰𝘁 𝗔𝗰𝗰𝗼𝗺𝗽𝗹𝗶𝘀𝗵𝗺𝗲𝗻𝘁𝘀➤ Architected the flagship product, impacting 90% of all credit decisions in the U.S. each year.➤ Led the development efforts of multiple FICO scoring systems and directed research initiatives to enhance the blueprint for FICO Scores. ➤ Reduced time-to-market for key products, without compromising the integrity of the end product. ➤ Built trusted relationships with credit reporting agencies, government agencies, and financial institutions. ➤ Spearheaded multiple initiatives recognized with FICO Technology Awards. ➤ Invited presenter at National Symposium on Credit Reporting & Credit Scoring. Published related journal article on Adapting Credit Scores to Evolving Consumer Behavior and Data. ➤ Introduced a mentorship program to enhance engagement and professional development.