Kris Henry Email & Phone Number

San Francisco, California, Us

San Francisco, California, Us

New York, New York, Us

• Product Owner for Decision Engine utilized to originate new banking accounts through digital and mobile channels• Work closely with Senior Management, Technology and 3rd party vendors to shape and execute product directiono Implemented various product enhancements to current decision engine - Re-evaluated rule structure to fall in line with company policies - Reviewed with risk and compliance teams to determine appetite for changes within risk profiles - Identified systemic issues leading to increased pended volume and lead effort with outside vendors and IT to rectify - Increased approved volume from 25% to 55% of all applicationso Identified and recommended development of new future decision engine - Documented limitations to current decision engine - Followed procurement process to review, demo and grade 10 potential solutions - Provided business case estimates on performance and cost to justify recommendation - Hoping to gain budget approval by Q2 of 2019

Dallas, Tx, Us

• Product Owner for My Dealer Account (MDA) and Dealer Extranet (DE) systems• These systems are utilized by internal dealer operations agents (MDA) and dealers (DE) to track, negotiate and collect dealer payments owed for product cancellation, participation, unwinds, etc.• Worked closely with business leaders to develop short and long term direction• Lead team of six developers and two QA analysts in efforts to continually improve functionality and performance o Created online Monthly Dealer Statement showing all dealer originations, payments and outstanding balances - Provided greater visibility for both dealers and internal dealer operations agents - Integrated data from Servicing, Reporting and Finance areas to create clear picture - Designed layout and functionality of dealer statement - Implemented and monitored phased rollout  - Dealer payments received increased by 20 percent - Dealer Operations Agent productivity increased by 25 percent o Implemented minimum payment threshold in Dealer Extranet (DE) - Dealers have the option to select the items they wish to pay, print the list and include it with their check so payments are applied to the correct accounts - As these calculations could differ between ourselves and the third party providers, we allow dealers the option to edit the amounts before submitting payment - Created a minimum payment threshold of 85 percent of the total - Dealer can change the amount they decide to pay, but it must be at least 85 percent of the total before the system allows them to proceed and generate a payment coupon - Closed a significant loophole in our system where any payment amount would be accepted regardless of actual balance

Dallas, Tx, Us

• Senior BSA for internal Funding system (CARS)• Worked closely with business leaders to determine areas of improvement for system and user experience• Lead team of five developers and two QA analysts o Team Queues / “Get Next” Process – functionality designed to assign applications to funding associates in a more logical and effective manner - Reviewed current workflow process from the perspective of both the end user and the system itself - Noticed that deals weren’t always being worked in a timely manner - Analysis pointed to inefficiencies in ability to assign work at the user level - To combat this issue, associates were assigned to specific teams based on role and deal type - Enhanced workflow process pooled applications based on deal type, role, eligible users, etc.  - Permitted multiple users to pull from the same queue of applications rather than have specific accounts assigned directly to them - To further enrich the workflow process, a “Get Next” button was developed - User would simply hit “Get Next” button to move to the next application they are eligible to work - Application is temporarily assigned to the user to remove it from the pool, then released back to the pool when the user moves onto the next account - Users are required to complete something on the account before moving to the next application, removing the risk of associates filtering through the pool looking for easier deals to work - Allowed faster associates to work more applications while keeping applications from sitting idle in a slower associate’s queue - Time to funding decreased 20 percent - Associate performance improved 30 percent

Dallas, Tx, Us

• Perform various tasks focused on the overall progress of the program as it flows from inception to completion.• Communicate effectively across all levels and departments of the company, including internal communication with business directors, IT, call center, operations and governance, as well as external communication with vendors. Key accomplishments:- 17 Digit Account Number Expansion Program – program designed to increase our account number from 7 digits to 10 before we exhaust all 7 digit permutations.- Constant interaction with all workstreams, including EDS, Shaw, Servicing, Correspondence, Finance/Loan Accounting, Data Warehouse and Reporting.- Collaborate with Xerox to determine levels of effort for all files and reports shared between them and SCUSA.- Develop program documentation including charters, requirements and issue logs.- Provide support for program meetings by leading when necessary, updating program progress, capturing meeting minutes and documenting issues and action items.- Maserati Program – program designed to create a new Maserati line of business with retail, lease and balloon products available to consumers.- Daily collaboration with workstreams from IT and business.- Develop end to end testing program for implementation.- Provide support for program meetings by leading when necessary, updating program progress, capturing meeting minutes and documenting issues and action items.- RBS Program – program designed to establish relationship with Royal Bank of Scotland (RBS).- Continual communication with all workstreams, both internal and external.- Document updates to product and performance files to be shared with RBS.- Provide support for program meetings by leading when necessary, updating program progress, capturing meeting minutes and documenting issues and action items.

Dallas, Tx, Us

• Reviewed various business processes and proposed changes to improve process efficiency.• Corresponded effectively across all levels and departments of the company, including internal communications with business directors, IT, call center, operations and governance, as well as external communication with vendors. Key accomplishments:- Developed requirements for new Chrysler Capital balloon line of business.- Researched various competitors’ balloon products and made recommendations on what aspects should be included in our version.- Built out calculations, process flows and training materials for balloon product.- Communicated product requirements to management and IT teams and worked collaboratively to meet aggressive deadlines for implementation.- Reviewed current telephony systems for originations business.- Built out detailed process maps to document current systems.- Researched process issues such as overflow queues, call routing and call center coverage.- Presented comprehensive data analysis and recommendations to improve efficiency without increasing budgetary restrictions.- Assisted with new Chrysler Capital leasing line of business.- Developed some of the training documentation for leasing product.- Supported the development of leasing tax engine. • Created terminology utilized in table construction. • Helped remedy calculation issues experienced in tax spreadsheet. • Reviewed leasing contracts as they arrived to determine additional adjustments needed.

Irving, Tx, Us

Segment of MetLife Bank, N.A. Business segment providing servicing options for mortgage, home equity, small business and commercial customers.• Supervising a number of projects designed to dissolve the originations portion of the home loans business.• Corresponding effectively across all levels and departments of the company, including internal communication with business directors, IT, call center, operations and governance, as well as external communication with vendors.

Subsidiary of Capital One Financial. Growing business segment providing multiple product offerings for small business banking customers.- Supervised and implemented a wide variety of projects across the small business banking portfolio.- Corresponded effectively across all levels and departments of the company, including internal communication with business directors, IT, HR, bank branches, call center, operations and governance, as well as external communication with vendors. Key accomplishments:- Managed project to restructure the servicing structure for small business renewals and annual reviews.- Led frequent working sessions to develop detailed process flows, job aids and training materials.- Developed and maintained project plan for all workstreams spanning three implementation phases.- Communicated deliverables, deadlines and expectations within core team, human resources, business directors and bank management.- Organized project designed to transfer servicing documents from an external vendor onto internal database.- Developed project plan to transfer all documents, gained business approval and procured IT resources needed.- Supervised loading and encrypting of documentation onto encrypted hard drive and ingestion into internal database for future storage.

Mclean, Va, Us

Subsidiary of Capital One Financial. Growing business segment providing multiple servicing options and product offerings for mortgage, home equity, small business and commercial customers.- Managed and executed a wide variety of projects over multiple lines of business.- Supervised projects across both mortgage and home equity portfolios.- Recognized potential projects and finished business case reviewing the cost / benefit analysis for the life of the project. - Corresponded effectively across all levels and departments of the company, including internal communication with business directors, IT, collections, call center and operations, as well as external communication with partners and vendors. Key accomplishments:- Managed project designed to maneuver mortgage collections business onto online servicing platform.- Developed project plan to transfer all hard copy files online.- Supervised barcoding and scanning initiative for all active and inactive files.- Communicated deliverables, deadlines and expectations successfully throughout with both internal management and outside partners.- Coordinated scanning of loan documents stored in additional locations.- Organized physical move of loan documents to one central storage facility.- Supervised project designed to implement a variety of changes to Loss Mitigation platform.- Led numerous working sessions to develop in-depth business requirements and process flows including queuing, screen presentation and data systems.- Arranged project details including campus visits from third party partners, deliverables, timelines, deadlines and action items.- Participated in project to correct errors in credit bureau reporting for mortgage, home equity and MERS.- Identified multiple causes of errors and determined correct credit bureau reporting for each product.- Coordinated the correction of these issues going forward as well as the remediation of accounts already impacted.

Reviewed business strategy for client looking to better position themselves within the market. - Conducted market research initiative focused on customer need and company perception.- Analyzed data from market research to determine areas of strengths and potential growth.- Presented recommendations centered on prospective changes to reposition company within the industry and capture further market share.Expanded marketing strategy for client preparing to launch more cost-effective payroll system.- Complied market research on specific industries and various companies of interest.- Presented recommendations on which industries / companies would be potentially viable options.- Instrumental in company expansion through market analysis for new project branch.Conducted market research for customer looking to launch nationwide campaign focusing on Mesothelioma victims.- Gathered demographic information and advertising costs on more than 100 potential markets in 20 states.- Engineered campaign, including television, radio and outdoor advertising, for each potential market.- Analyzed cost breakdown for each market.- Presented recommendations for both budget and specific markets for campaign.

Mclean, Va, Us

Developed, managed and executed wide variety of projects. - Supervised projects through all aspects of the business cycle, including inception, prioritization, data creation, testing, implementation, validation, and post-implementation review and reporting. - Identified potential projects and completed business case reviewing the cost / benefit analysis for the life of the project. - Managed team of two additional project managers – assign workloads, review performance, provide support and guidance, etc.Communicated effectively across all levels and departments of the company, including internal communication with business directors, IT, call center, sales, creative, business development and operations, as well as external communication with partners and vendors. Key accomplishments:- Conceived project to develop real-time decisioning system for online applications.- Developed business case examining cost analysis for project execution, negotiated company wide acceptance of changes, managed development and implementation of project and reviewed performance data analysis after completion.- Increased customer satisfaction and cash-out rate by 20 percent.- Decreased time to market by one to 12 hours.- Saved company nearly $2M over three years by managing change in vendor for direct mail solicitations.- Improved originations by 100 percent through execution of project to shorten length of online application.- Provided exception process for specific high-value bank customers, thus facilitating cooperation between Auto Finance and Banking groups.Supervised pricing function across multiple lines of business.- Managed process for four lines of business across all software platforms, each with differing limits and complexities.- Completed changes related to consumer groups, credit policies, stipulations, state caps, etc.- Advised management on current pricing / credit configurations and system functionality.

Privately held retail company that developed an innovative sizing system, to be used across multiple retailers and product lines, for women's apparel.Developed and managed various marketing functions to assist in nationwide launch of clothing line. Key accomplishments:- Organized market research event where participants were given the opportunity to evaluate new product line.- Analyzed participant questionnaire and interview data.- Presented recommendations for product and presentation adjustments which were utilized in the future.

Developed and managed various marketing functions to address a variety of client needs. Learned several aspects of advertising industry, including market research, idea generation, advertising development and media presentation. Key accomplishments:- Developed value-added model for customer experiencing difficulties quantifying additional services provided.- Allowed sales force to compare and contrast competing bids after reviewing all opportunity costs.- Enabled sales force to focus its pitch on strengths of company.- Provided solid 10 percent growth in originations after implementation.

Flagship brand for Macy's, Inc., a publicly held department store chain, with approximate annual revenue of $27B.Developed and executed marketing and promotional plans on the store level, including product placement, incentive pricing and sales force strategies.- Exceeded yearly sales plan by 20 percent for $8M department that included Housewares, Electronics, Luggage and Crystal.- Directed daily business decisions based on product performance, placement and sales figuresManaged team of up to 25 sales associates.- Reduced employee turnover by 150 percent.- Provided daily training and guidance to full time, part time and seasonal employees.- Awarded Area Sales Manager of the Month for three months.

Mba, Business Administration; Marketing And Finance

Bba, Business Administration; Marketing And Economics