Joe Zeibert, Cmb Email & Phone Number

Bozeman, Montana, Us

---Superior analytics is FICO’s competitive advantage and the core of FICO’s DNA. ---• Created and Led FICO’s Mortgage and Capital Markets Division, directly contributing to $250+ billion in loan volume and $1.33 trillion in eligible servicing additions.• Directed strategic growth and profitability for FICO’s mortgage and capital markets business, managing complex financial portfolios and regulatory landscapes.• Collaborated with hundreds of lenders on mortgage, home equity, HELOC, and secondary marketing strategies, delivering growth and profitability insights, and ensuring compliance with HMDA, ECOA, TRID and other regulatory frameworks.• Built and shaped FICO’s global mortgage strategy, positioning the firm as a leader in financial services analytics for the mortgage industry, while growing our partner ecosystem and branching into additional revenue generating verticals.• Served as a trusted advisor to clients on mortgage product development, with a focus on finance, risk management, pricing, and secondary market dynamics.

San Francisco, California, Us

End-to-end ownership of the Mortgage division.

San Francisco, California, Us

Focused on next-gen banking, global lending solutions, mortgages, product solutions, marketing and PR, industry thought leadership, analytics, helping banks compete globally, models, customer experience, go-to-market, pricing, secondary markets, big data, machine learning.• Launched a new financial software vertical within Nomis. • Managed the global lending business, including go-to-market, technology roadmap and epics, product design, and strategic sales strategies.• Responsible for almost doubling our total 15+ year old Nomis client base though the addition of the new lending vertical in under 12 months. Poised to keep this exponential growth going into the out-years as the vertical matures.• Reduced sales cycle from nine+ months to under nine weeks by productizing the platform.• Deployed the same productized platform and models to 12+ clients ranging from top $100+ Billion lenders to a lender who had just originated their first loan, proving one instance can serve Tier 1 banks and the long tail of smaller financial institutions.• Ran go-to-market and the customer-facing process acting as the Subject Matter Expert at events, attended speaking engagements, wrote blogs/made videos, and provided product demonstrations that boosted brand equity and won deals. • Developed suite of SaaS products with installation times ranging from one day to one month.

Detroit, Mi, Us

Recruited to Ally to help launch a new division of the bank: Ally Home Loans. Built and ran four organizations: Pricing, Product, Credit Risk Strategies, and Analytics/Reporting. Hired or re-tasked 30+ associates. Structured the strategies and policies for my organization, resulting in a successful division launch and sustained Y/Y growth of 200+%. PRODUCT: • Chaired the Board of Directors-chartered ‘Product and Pricing Committee.’• Developed the products for launch, as well as the strategic roadmap for future growth.• Created a two-pronged digital lead generation strategy for customer deepening and prospecting. ➞ Deepening: Built a “relationship pricing construct” and “core customer offer” generating $5B in leads/year.➞ Prospecting: Made four unique marketing and pricing engines to generate $2B in prospect leads annually. PRICING & SECONDARY MARKETING: • Built and ran Secondary Marketing, including investor relations and best execution strategies.• Created a new pricing optimization framework, complete with a Business Intelligence Graphical User Interface allowing “what-if” scenarios.• Modeled 662 million price points individually and optimized each along the efficient frontier based on behavior, elasticity, cash flow analysis, competitive analysis, and marketing penetration.CREDIT RISK STRATEGIES:• Owned the product matrices, credit policy and established Ally’s risk tolerance.• Booked the ALLL (Allowance for Loan and Lease Losses). Ran the loss forecasting process. Oversaw portfolio-monitoring/ risk analytics as well as business case development.ANALYTICS, TECHNOLOGY & REPORTING: • Drove creation of ad hoc and automated analytic and reporting tools in Tableau and Power BI providing insights to leadership, empowering data-driven decisions. • Ran data strategy & governance and partnered with Technology as the Business liaison to architect Ally’s systems and infrastructure, building Agile epics & stories to push the business forward.

Charlotte, Nc, Us

Crafted the Home Equity Pricing strategic vision. Enhanced product offering.• Developed pricing initiatives that drove BofA to be the #1 lender, by growing share from 6% to 12%. • Resulted in increased profitability, higher average lines and higher average draws with no additional charge-offs or degradation to FICO/CLTV metrics. Home Equity production more than doubled. • Optimized our pricing from a national to a MSA level, using elasticity, profitability, and competitive intelligence.• Developed ‘Customer Draw Based Pricing,’ increasing the draw per loan by 23% and profitability by 15%.• Worked with our modeling team to manage the build of our elasticity, pricing & behavior models, resulting in increased precision yielding 27 bps more in revenue per loan.

Charlotte, Nc, Us

Managed enterprise capital integration/ balance sheet optimization for all Consumer Bank products. • Provided guidance that resulted in over $110B of capital being freed up for reinvestment into the bank by partnering with the Consumer CFO and LOB executives in Credit Card, Home Loans, Business Banking, Auto Lending, and Deposits as their Basel 2 and 3 regulatory capital management partner.• Analyzed and provided strategic recommendations on the capital allocation and reduction strategies for a consumer portfolio of $615B of risk-weighted assets across all consumer product lines.

Charlotte, Nc, Us

Acted as the Business Finance Officer for the Innovations team. • Worked on “next generation product development” across Card, Deposits, Mortgage, Auto and Merrill Edge. • Developed a suite of business analysis and technology tools, models and simulations driving better business decisions.• Upgraded our business cases from a single path process into 200,000 simulated business outcomes. • Standardized and automated reporting to increase associate productivity, allowing them to focus on business growth.

Charlotte, Nc, Us

Consulted across Finance, Risk, Policy, Provision, Corporate Investments, and the LOB. • Worked on Loss Forecasting, Stress Testing, IR, and OCC requests focused on our $18B Provision.• Tracked economic trends and consumer behavior to predict shifts in the housing market, inform bank strategy, hedge market risk, and maximize capital for better utilization.• Validated Bank of America’s financial statements at quarter end and signed off for the OCC/Treasury Department on the CEO’s and CFO’s earnings documents.

Charlotte, Nc, Us

Invented new modeling and customer segmentation strategies and market data applications:• Enhanced a modeling process that took a team 200 hours/month of manual work into an automated process requiring only 16 hours. Implementation led to enhanced accuracy and better business decisions.• Created the analysis to explain portfolio risk to the OCC. The added rigor fostered regulatory goodwill.• Built a patented predictive credit segmentation based on advanced statistical and business analytics to forecast customer behavior and adapt originations in advance of shifting portfolio dynamics. • Developed a second lending-based segmentation which deepened customers and increased cross-sell. Recognized as the market-sizing and data subject matter expert (SME) and shaped all targets for credit card.

Charlotte, Nc, Us

• Managed National Customer Experience’s strategic Six-Sigma plan (Hoshin).• Optimized usage of company metrics by developing a central hub that enabled cross-department analysis and collaboration.

New York, Ny, Us

• Developed projects, strategies, and technology solutions for global retail powerhouses.• Ran technology, purchasing, sales, operations, logistics, finance and analytics projects across 80 international firms.• Closed 13 deals beating out Microsoft, IBM and Oracle and generating $5 Million in revenue.• Consulted on business and technology for C-Suite executives at companies such as Louis Vuitton, Dior, Marc Jacobs and Nintendo.

Mba, Business Administration And Management, Honors

Ms, Technology / Business Information Systems

Bachelor Of Business Administration - Bba