Francois Masson Email & Phone Number

Palo Alto, Ca, Us

Tukwila, Wa, Us

Tukwila, Wa, Us

Led a team of managers and analysts that developed and managed BECU's consumer lending strategies. Responsibilities include a $5B+ Consumer Lending portfolio, Digital Lending, Policies, Credit Risk, Fraud, Marketing Campaigns, Account Management, and Collections.- Built long-term vision, strategy, and roadmap for BECU's consumer lending products and underserved initiatives.- Effectively partnered with technology, digital, and operational partners in bringing product and credit strategies to life and promoting revenue growth, digital lending, frictionless member experience, and financial health.- Managed Credit Policy and lending strategy enhancements. Annual results: 3.6X increase in personal loan originations, 2.3X higher system automation rate, 50% higher average funded loan amount, 90.7 member NPS, and 30% lower annual net loss rate compared to credit union market leaders.- Launched new digital credit programs for Card, Auto, Line Of Credit and Personal Loan to help expand revenue while offering better credit access to underserved members: Credit entry and Credit builder.- Created Credit Card cross-sell programs leveraging Auto and Residential mortgage recently funded loans. - Received the Exceptional annual performance rating and the BECU Unwavering Leadership Award.

Palo Alto, Ca, Us

Prometics' purpose is to help financial institutions compete, grow, and thrive through changing markets using Artificial Intelligence.Created for Bankers by Bankers with prior experience in global, digital, and community banking at JPMorgan Chase, Bank of America, HSBC, Lending Club, SoFi, BECU, and BOH.Our cloud-based SaaS platform provides financial institutions with timely and compliant lending strategies, insights, and forecasting. Our platform is core agnostic, compatible with any tech stack with universal API management, and is available for all lending assets, and across the full product life-cycle.Affordable for all budgets. Suited for organizations of all sizes.Our company vision is to provide intelligence and champion humankind through financial analytics. We have diverse backgrounds and skills to support the next lending analytics evolution through innovative AI solutions in a highly regulated industry.Learn more at https://prometics.com

Pasadena, Ca, Us

Launched lending products and managed P&L for a digital de novo bank.- Responsible for consumer and business banking products development, design, P&L, credit policies, credit risk, and underwriting risk strategies, pricing, customer acquisition strategies, campaigns, promotions, M&A and partnerships for the Digital Banking division.- Developed Mortgage, Rewards Credit Cards, Secured Cards, and Business Credit Cards, catering for Private Banking Ultra High Net Worth, High Net Worth, Affluent, Prime Consumers, and Businesses.- Developed proprietary risk models which leverage alternative data and machine learning to assess the creditworthiness of non-scorable (no-FICO score) and thin-file consumers.- Led vendor contract negotiations and implementation of new decision engine to provide a platform with instant decisioning, alternative data access and digital products strategy testing.

Oakland, California, Us

- Managed Credit Policy governance, development and implementation- Voting member of Risk and Pricing Committee

San Francisco, California, Us

- Managed a team focused on Risk Management, new business initiatives and Direct Marketing acquisitions- Launched new Auto Refinance and Medical Financing Credit Policies- Led Risk Management for first LendingClub M&A initiative, meeting investors' expectations for 2014 IPO- Drove 4 billion dollars of personal loan issuance in one year and 5 million dollars of auto loan issuance 6 months after product launch

Honolulu, Hi, Us

- Managed a team of Credit Analysts responsible for Retail and Commercial Lending Risk Management, external reporting and Credit Policies- Managed CCAR / DFAST credit risk stress tests, RWA Optimizations, FDIC high risk assessments, loss forecasts and collateral valuations- Produced presentations issued to Board of Directors, 10K/10Q Earnings Release and Examiners- Received the 2012 Employee of the year award from CEO and CRO

New York, Ny, Us

- Managed a team of Credit Analysts focused on Risk process improvements in Credit Card Division- Improved Credit Card Acquisition Strategy implementation process- Led Vantage score and FICO score evaluation project- Improved end-to-end Credit Bureau Reporting data accuracy

Organizational Leadership

Master Of Science, Industrial Engineering

Bachelor Of Science, Industrial Engineering

Education record