Michael Francis Email & Phone Number

West Valley City, Utah, US

• Key Accountabilities:
• Responsible for providing galvanizing leadership to a data science team, machine learning engineering team, and a credit risk and analytics team effectively developing their capabilities and expanding their.
• Relied upon to seamlessly collaborate with CFO to develop and implement our pricing strategies
• Depended upon to manage production machine learning models ensuring targets business objectives are met

Draper, UT, US

• Key Accountabilities:
• Responsible for providing galvanizing leadership to a team of data scientists, a team of data analysts, and a team of BI developers effectively developing their capabilities and expanding their responsibilities
• Relied upon to seamlessly collaborate with CFO and Pricing Committee to develop and implement our pricing strategies
• Depended upon to manage production machine learning models ensuring targets business objectives are met
• Proficient risk counterpart for the originations committee, servicing committee, pricing committee and executive credit committee

Draper, UT, US

• Key Accountabilities:
• Responsible for providing galvanizing leadership to a team of data scientists and analysts, effectively developing their capabilities and expanding their responsibilities
• Relied upon to seamlessly collaborate with CFO and SVP of Structured Finance to transition the ALLL (allowance for loan and lease losses) to follow CECL (current expected credit losses) guidelines
• Depended upon to manage production machine learning models ensuring targets business objectives are met
• Proficient risk counterpart for the originations committee, IT steering committee and executive credit committeeKey Accomplishments:
• Engineered the development and deployment of four machine learning credit scoring and pricing model reducing vendor costs by over $1M per year

Draper, UT, US

• Key Accountabilities:
• Responsible for accurately developing and monitoring new credit underwriting models to approve applicants
• Relied upon to create or improve departmental reporting capabilities, effectively educating stakeholders with data-visualization and predictive modelingKey Accomplishments:
• Orchestrated process improvements including the removal of an outdated secondary pricing system; System decisioning increased from 77% to 88%; Approval Rate increased from 28% to 32%
• Innovated cumulative net loss forecast improvements; Old method = loss timing curve only; New method = combination of loss timing curve, regression, probability of default/exposure given default/loss given default
• Championed monthly net loss projection improvements by transitioning from using static pools and roll rates to an ARIMA model, which resulted in decreasing MAPE from 22% to 8.5%

Provo, UT, US

• Teaching Assistant for Stat 462: Quality Control and Industrial Statistics
• Teaching Assistant for Stat 512: Stat Methods for Research 2

Provo, UT, US

• Research on belonging among junior high students using cluster analysis

• Filed and pulled patient charts for the following day
• Filed insurance paperwork
• Performed lab work on cad cam machine
• Made crowns

US

• Made purchases of medical supplies while adhering to a budget
• Analyzed the cost of surgeries and looked for areas for improvement
• Stocked medical supplies

Master Of Science - Ms, Data Science - Artificial Intelligence

Bachelor Of Science - Bs, Statistics