Lillian Y. Email and Phone Number
I am an analytical leader in financial industry with 15+ years of experience in Marketing Strategy, Pricing & Financial Valuation and Credit Risk Management. I lead teams that solve business problems and provide strategic solutions to drive business growth, mitigate risk and optimize profitability. I spent the first part of my career doing quantitative analytics on targeting campaigns, segmentation and CRM strategies. I've also focused on developing growth strategies for origination programs, managing pricing & financial valuations across credit promotions, and developing credit policy for expansions with profitable marginal economics.Specialties:- Financial Valuation & P&L Analysis - Pricing, Contract Renewal, Financial Deal Structure - Credit Policy and Risk Management
Discover Financial Services
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- discover.com
- Employees:
- 13973
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Sr Manager, Data Science Credit RiskDiscover Financial ServicesLake Zurich, Il, Us
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Sr. Manager, Data Science Marketing AnalyticsDiscover Financial Services Jul 2014 - PresentGreater Chicago AreaDiscover Card Portfolio Marketing -
Sr. Business Manager - Partnership AnalysisCapital One May 2012 - Jun 2014Greater Chicago AreaDeveloped and implemented business strategies for largest Private Label Partnership that drive growth, profitability, and competitive success in the face of shifting consumer and regulatory behavior• Led the Business Analysis team for Kohl’s Card Acquisition strategies• Developed Credit Policy and implemented expansion with profitable marginal economics• Led the testing of non-traditional data sources to acquire new-to-credit consumers• Managed portfolio risk thru program governance and strengthened policy controls• Conducted review and response on OCC and CFPB card exams -
Vp, Sr. Manager - Financial Strategy And PricingHsbc Card And Retail Services May 2007 - Apr 2012Hsbc Card And Retail ServicesDeveloped financial strategies and business analysis for HSBC Private Label Credit Card Programs• Developed financial strategies for new origination programs, evaluating contract structures, performing pricing and financial valuations across credit promotions and other product lines• Led analyst team and provided insights from financial analysis to alter underwriting strategies to drive program growth, mitigate risk and optimize profitability• Evaluated financial impact for Card Practice Changes which had a significant impact on brand health• Developed analysis on revenue enhancement strategies across Private Label portfolios -
Avp, Manager - Marketing Analytics Customer Relationship ManagementHsbc Card And Retail Services Feb 2004 - Apr 2007Developed CRM strategy and analytical initiatives for key retail partners. Developed strong working relationships with cross functional teams to implement profitable growth solutions • Led the measurement of campaigns for customer acquisition, activation and retention across channels• Developed targeting models and offer optimization to improve campaign ROI. Championed the usage of Experimental Design across marketing team to identify key drivers in marketing campaigns for optimizing response to drive profitability• Improved and streamlined lead selection process through Equifax partnership
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Senior Analyst - Marketing Analytics Customer Relationship ManagementHousehold International Retail Services Jan 2000 - Jan 2004Conducted quantitative consumer analyses to support marketing solutions that leverage the identification, development and application of best practices, in the areas of acquisition, activation and retention • Developed targeting model with Decision Tree and Regression, and conducted statistical test of significance for test vs. control groups. • Developed customer segmentation and lifetime value analysis working with internal private label customer data, credit bureau data and demographic data from third parties.
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Senior Research And Mis Analyst - Customer Information ManagementHousehold International Retail Services May 1998 - Dec 1999Responsible for SAS, SQL programming and report design for the company’s data conversion system• Worked on UNIX, MVS and PC platforms and with TSO/ISPF. Maintained the system infrastructure required to support data needs. Worked on monthly report packages and ad hoc reports design and analysis for various customers using SAS, JCL, Syncsort, SQL, Access and Excel
Lillian Y. Education Details
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Applied Statistics
Frequently Asked Questions about Lillian Y.
What company does Lillian Y. work for?
Lillian Y. works for Discover Financial Services
What is Lillian Y.'s role at the current company?
Lillian Y.'s current role is Sr Manager, Data Science Credit Risk.
What schools did Lillian Y. attend?
Lillian Y. attended Bowling Green State University.
Who are Lillian Y.'s colleagues?
Lillian Y.'s colleagues are Shannon Mcgurgan, Jamie Waite, Elizabeth Carrillo, 贺意林, Audra Norris Marcolini, Seth Stevenson, Xiayi Huang.
Not the Lillian Y. you were looking for?
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Lillian Y.
Atlanta, Ga -
Lillian Owens
Associate Dean Of Enrollment Services At Jefferson State Community CollegeBirmingham, Al
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