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.
• 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.
• 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.
• 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.
• 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.

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..
• 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.
• 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.

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.
• 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