Risk Analyst
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and predictive modelingKey Accomplishments:● Orchestrated process improvements including the removal of an outdated secondary pricing system; System decisioning increased from 77% to 88%; Approval Rate increased from 28% to 32%● Innovated cumulative net loss forecast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%● Successfully distilled Risk Summary into a focused presentation of application statistics, monthly loss projections, vintage loss projections, recovery performance, early performance summaries, and collections statistics● Consistently received annual promotions, from Risk Analyst I to Risk Analyst II, then Risk Analyst III, and most recently into Vice President role
