John Ferro Email & Phone Number

Charlotte, North Carolina Area

Charlotte, North Carolina Area

Led multiple teams within Mortgage (25 associates) and Home Equity (11 associates) responsible for the development and execution of an end-to-end data management and reporting strategy for Fulfillment and Existing Customer Credit Operations groups. (3,250 total associates) Coordinated efforts with Finance, Product, and Operations teams to complete the quarterly forecast which included staffing requirements by role and key performance indicators. Designed, created, and delivered critical pipeline management and performance reporting to the Operations Leadership teams using both automated solutions via SAS and SQL/SSRS and ad-hoc reporting leveraging MS Excel, MS Access, and Sharepoint. Provided monthly business insights and recommendations to Operations leaders to enhance performance as well as quarterly presentations and robust data sets to internal Risk, Audit, CFPB, and OCC. Published associate and leadership scorecards which included productivity, quality, and customer satisfaction metrics. Provided significant ad-hoc analytic support to divestiture activities.

Charlotte, North Carolina Area

Led a team of eight associates that provided Home Equity product sales support for the Retail, Call Center and On-line channels. Influenced sales strategy for Home Equity product through all three channels to achieve monthly sales targets. Developed management routines with sales channel leaders to provide critical product and process related change updates, review sales results, identify opportunities and risks to plan, and solidify sales forecasts. Partnered with Sales Program Management Office and Process Design leadership to drive enhancements to sales scripting and reduce sales process variability which generated a 12% improvement to call-to-app conversion. Enhanced sales tools and influenced critical changes to incentive compensation plans that removed potential sales bias on best product offering for the customer’s situation.

Charlotte, North Carolina Area

Provided leadership to a team of nine associates that were responsible for critical weekly and monthly portfolio reporting and analysis support to the US’s largest Home Equity portfolio ($130BN+). Delivered on 35$BN in balance growth and $750MM in annual NIM. Collaborated with Product, Marketing, Finance, & Risk leaders to retain customers and promote profitable balance growth through various offers to existing customers across banking center, direct mail, and online channels. Completed due diligence related analyses in support of multiple acquisitions. Developed and implemented first-ever HELOC line decrease program for material changes in equity. Received Award of Excellence, highest achievement award for Top 1% of performers.

Salinas, California Area

Provided financial analytic support for direct marketing efforts aimed at new account originations for the GM Credit Card portfolio and similar support to existing account holders for retention and balance stimulation for the Union Privilege and Affinity Loan portfolios. (GM $6.5B / UP $5.1B prime credit card portfolios). Developed 5 year NPV model at the marketing & risk cell level to optimize profitability of mailings. Built robust tracking process to monitor each mailing’s performance using SAS & Microsoft Excel. Developed analytic tool to evaluate the cost benefit of balance transfer offers to existing customers.

Phoenix, Arizona Area

Provided strategic leadership to a group of 15 accounting and finance professionals that managed the monthly accounting close process and provided reporting & forecasting support for both the Canadian Card & Travel businesses for American Express. Provided leadership support to migrate balance sheet reconciliation work to office in New Delhi, India. Developed monthly & quarterly routines to summarize and present business results to executive leadership. Provided analytic support of key metrics impacting the P&L of both Card & Travel business units.

Columbus, Indiana

Planned, forecasted, reported expenses/headcount, analyzed product cost, & completed NPV analyses for an Operations group with 1200 employees $120MM expense budget. Developed strong problem solving and process improvement skills using 7-Step and Six Sigma methods. Completed the cost benefit analysis and gained approval for a $1.5MM fuel pump automated assembly & test system that delivered a 22% productivity improvement and reduced annual warranty expense by $800M. Provided a variety of R&D analyses in support of the Cummins-Scania Joint Venture that resulted in a new high pressure fuel injection system aimed at optimizing fuel consumption and emissions.

Eastmoor Office