Business Analyst I
CurrentCredit policy & Pricing Team:● Analyzed the performance of high-mileage vehicle deals and proposed reducing mileage restrictions, resulting in a projected 5% increase in volume.● Analyzed and modified the payment-to-income policy, reducing restrictions in specific cases, achieving an additional 2.5% volume without impacting overall loss.● Utilized Power BI to create monthly competitive reports and board reports, enabling more informed decision-making.Valuation Team:● Versioned depreciation and repossession recovery rates across different periods to improve the accuracy of historical expected net loss and enhance the precision of future forecasts.● Discover and analyze fraud-like tradelines to refine and reduce overall net loss, thereby increasing volume by 3%.● Developed Python code to update routine vehicle pricing data and adjust future depreciation assumptions.● Modified the simulator's logic to increase APR parity from 95% to 98%, optimizing the simulator process and saving the department approximately $20K annually.