Jim Chonko Email & Phone Number

Memairy is an AI-powered online diary that allows users to capture memories, thoughts, and media. It uses AI to categorize content and detect objects in photos and videos. Designed to counter the negative impact of social media on well-being, it provides a clutter-free, ad-free space for self-expression. In addition, Memairy allows family and friends to collaborate on preserving loved ones' life stories. Our mission is to foster introspection, creativity, personal growth, and greater life satisfaction through Memairy.

Engaged in data science consulting for startups (EdTech, RegTech, Fintech). Also, developed an e-commerce website (BecauseData.io), and created the mobile game 'DecaPOP!' available on the App Store.

Lehi, Utah, Us

I played a central role in guiding the organization through a significant transformation toward data-driven decision-making. In my role, I collaborated closely with cross-functional teams, particularly product managers, to proactively identify and implement innovative data science solutions that directly addressed the evolving business needs of the organization. This collaborative approach ensured that data-driven insights were not only integrated seamlessly into decision-making processes but also that machine learning models were aligned with the strategic goals and product development initiatives.

New York, Ny, Us

We transformed the lending solution built for QuarterSpot into a white-label “Lending-as-a-Service (LaaS)” solution for financial institutions that leverages machine learning and automation to help them better understand their customers, calculate risk, and optimize lending. The technology provided 1) a small business lending solution for regional banks and credit unions and 2) an instant underwriting solution for credit card processors to pre-qualify their merchants for business loans.• Acquired by Lendio

New York, Ny, Us

As Chief Risk Officer at QuarterSpot, a fintech startup, I played a pivotal role in its growth by building the risk and data science functions from scratch. During my tenure, QuarterSpot underwrote $2B in offers, lent over $800M to small businesses, and processed 1.2M payments.I defined underwriting policies, established operational procedures, and led the Credit Committee. I also recruited, trained, and mentored the data science team, and empowered the organization with self-service business intelligence for data analysis. My leadership extended to automating decision-making processes throughout the credit lifecycle, effectively managing fraud, and leveraging cloud-based platforms for rapid machine learning model deployment.

New York, Ny, Us

Led the creation of advanced pricing models for new auto loan origination exceeding billions of dollars annually.

New York, New York, Us

As a seasoned data scientist, I led model development and inventory management, harnessed data-driven insights to optimize credit strategies, and designed web-based tools for visualizing business networks and geographic data. I also oversaw model compliance and managed relationships with external data vendors. I successfully recruited, trained, mentored, and led a high-performance team of analytical professionals, fostering growth and collaboration between on-site and off-shore to drive data-driven excellence.

New York, New York, Us

Small Business Banking leader with a passion for data-driven growth and risk management. Transformed credit risk models, executed successful loss mitigation strategies, and built best-in-class data infrastructure for enhanced decision-making.

New York, New York, Us

A results-driven data scientist who optimized pricing for credit card balance transfers, revamped segmentation, developed predictive models, and mentored junior analysts to drive significant revenue. and profitability gains.

Phd, Physics

Bs, Mechanical Engineering