John Devol Email & Phone Number

Parker, CO, US

Denver, Colorado, United States

• Leading a team of high-performing analysts focused on Existing Portfolio credit management strategies, managing a portfolio of $3B in receivables and 6M cardholders.
• Drove over $10M annually in incremental EBIT from champion/challenger testing of risk and revenue-based line testing.
• Optimized existing line decrease strategy and increased risk-adjusted revenue by $2M annually, showing that the existing strategy was too aggressive and profit negative.
• Stood up a new strategy from ideation to implementation that triggered all accounts that transacted that day over a certain utilization % to be evaluated for a credit line increase overnight, driving an incremental $3M.
• Improved customer-requested credit line strategy with new risk segmentation and differentiated line testing, driving a 75% increase in approval volume, $1M in added annual risk-adjusted revenue, and $20M+ in added.

Denver, CO

• Led a team of 4 risk analysts on an interim basis overseeing the full lifecycle of risk strategy development in areas such as credit line increases, credit line decreases, authorizations, and payment holds.
• At a strategy level, led and collaborated with analysts to be able to report out on the profitability and impacts of strategy changes and champion vs challenger strategies, including incremental revenue and losses, as.

Denver, Colorado

• Aggregated data from numerous credit line increase campaigns to determine incremental sales, revenue, and losses and overall profitability segmented by product and risk level.
• Analyzed the results of Outside Spend offer campaigns to determine incremental sales and profitability during and after the offer period and made recommendations to better optimize campaign execution and save wasted.
• Used predictive modeling to build decision trees to improve the business’ delinquency segmentation, leading to more accurate identification of high risk accounts.
• Created and oversaw a proactive settlement campaign to reach late stage delinquency customers with a UPS letter. Campaign saw a significant increase in payments and cured accounts and was rolled out as an ongoing.
• Further enhanced the business’ delinquency segmentation by identifying a new high risk segment based on cardholders highly utilized across multiple other creditors.
• Analyzed and read out results from collections strategy tests testing the effectiveness of a delayed queueing strategy and skipped dialing days.

Lincoln, NE

• Developed, validated, and implemented predictive models for delinquency, spend, balance, revolving rate, acquisitions, and attrition - inactives and closed accounts. Used regression and logistic regression models, with.
• Created and maintained official documentation for models, both for internal use in maintaining and monitoring models, and for compliance examinations. Monitored a personal income model from Equifax, and a pre-screen.
• Tested and validated changes made to the data warehouse to ensure data integrity and quality.
• Project sponsor for a project that successfully replaced and updated a vendor's widely-used income model with a more accurate model, correcting a bias because Cabela's skews toward higher income customers.
• Applied statistical methods to optimize segmentation strategies for acquisitions and account management and presented recommendations to senior management, leading to profitable changes in strategy.
• Used economic and statistical principles in evaluating the profitability of Cabela’s internal and third-party external collections efforts.

Lincoln, NE

• Collected survey data from 5,000+ companies and coded their responses as a member of a 5 person team.
• Followed up with partial and non-respondents as part of the data cleaning process.
• Documented results and wrote reports which were later used and cited in a piece of legislation regarding workforce training in renewable energy projects.
• Helped with the survey design process and the primary stages of statistical analysis.
• Assisted writing research reports and publications including the Nebraska Green Jobs Report, Recessions in Nebraska, and Nebraska Workforce Trends.

Master Of Arts (M.A.), Economics

Bachelor Of Science (B.S.), Mathematics, Economics, Statistics (Minor)