Ha Pham Email & Phone Number

New York, New York, Us

New York, New York, Us

Lead various risk initiatives for credit card business:• Manage the Proactive Credit Line Increase program for Co-branded Cards• Lead the Near Prime Acquisition expansion initiative to drive profitability and market penetration• Lead credit risk assessment and governance requirements for Pricing initiatives to drive revenue growth• Build executive dashboards and presentations for leadership to provide insights on expected portfolio performance and areas of potential risks and/or opportunities

New York, New York, Us

Technical Lead in various projects to build robust reporting capabilities and conduct complex data-driven analyses, thereby effectively monitoring credit risks in the portfolio, challenging existing credit strategies, and recommending changes as needed. • Utilized different data science tools (SQL, Python, Tableau, BI) to extract and analyze credit-related data in the system, conducted analyses of portfolio performance, proactively identified emerging drivers of risk, summarized findings and recommended changes.• Reviewed and effectively challenged the credit policy underwriting criteria developed using a multitude of complex time series data from credit bureaus and other vendors.• Developed analytical reports and presentations for senior management, executive committees and regulatory examiners.• Coached/mentored junior staff

Birmingham, Al, Us

Provided strategic thinking coupled with analytics skills to identify, present and implement a long term strategic focus that creates targeted, forward looking, best-fit solutions to grow Unsecured Personal and Auto Loan portfolios.• Utilized data science tools to mine the large scale of structured and unstructured data to find customer behavior & preference insights and develop solutions to enhance Consumer Lending portfolio strategies.• Leveraged advanced analytics technology to develop and enhance customer behavior segmentation.• Developed complex statistically driven risk based pricing models and strategies to meet profitability targets.• Analyzed and presented results to upper management and recommend future action plans.

Birmingham, Al, Us

Managed credit risks for an Unsecured Personal Loan portfolio through data-driven methodology to align credit loss with the bank’s risk appetite. Proposed changes to optimize credit risk strategies and enhance Consumer Lending portfolio performance. • Utilized advanced SAS and Tableau on large data to build a comprehensive portfolio monitoring tool to efficiently track customers’ credit profile as well as their payment behaviors on a regular basis. • Undertook complex statistically-driven and data mining analyses to identify trends and understand drivers of different credit risk metrics, thereby developing proposals to optimize credit risk strategies.• Conducted data-driven analyses to support key strategic initiatives for growth, innovation and risk mitigation.• Presented portfolio reports and proposals to upper management.

Worldwide, Oo

Provided high-quality services in analytics and modeling to assist clients in managing their financial risk.• Validated wholesale loan loss forecasting models for leading global bank to assess model soundness in compliance with the Federal Reserve Board’s CCAR and DFAST regulations: - Comprehended model documentation through its entirety, replicated model calibration and statistical testing, using SAS and R. Populated and compared results with the developers’, challenged any discrepancies that arose. - Applied statistics/econometrics/finance knowledge to evaluate model soundness in each component (data, methodology, assumptions, model performance, back-testing, stress testing …)• Participated in developing Credit Risk models to help detect potential business disruption in the Energy and Resources industry.• Performed data enrichment to support Anti-Money Laundering practice for leading global bank.

College Station, Tx, Us

Managed daily transactions related to scholarship awarding and conducted ad hoc analyses to identify and resolve problems in managing scholarship funds in excess of $100 million.• Efficiently coordinated reconciliation with other team members, and significantly improved process efficiency by 10-15 times with automation through advanced Excel, VBA, Access, and Business Intelligence tools. • Conducted complex analyses for unusual-balance and negative-balance accounts, identified accounting/financial problems and generated resolutions and reports for upper management team and internal clients, in a timely and accurate manner.

Master Of Science (M.S.), Financial Economics

Bachelor Of Science (B.S.), Business Administration & Communication