M. Sadiq Asad Email and Phone Number

Manage underwriting and eligibility for Personal Loans and Plan-It Installment portfolio. Support resilient growth strategy by performing analytics on portfolio risk, customer behavior, and product enhancements.Implement a comprehensive risk reporting framework to adaptively monitor the performance of Personal Loan and Plan It product enhancements. Provide ad hoc analysis to identify early signs of risk and influence senior leadership on risk mitigation strategies leveraging SQL, Python, and Excel. Act as owner of Personal Loan and Plan-It Risk Strategy to deliver on product roadmap. Launched 48-month loans program leading to 20% increase in revenue per loan and annual originations and enhanced Plan It customer journey to reduce delinquency rates by 30%. Leverage SharePoint and MS Planner to cross-functionally manage projects for 10+ colleagues across workstreams with Product, Pricing, Technology, and Decision Science to facilitate agile project management.

Developed proprietary nonprofit evaluation framework leveraging 250+ data points to identify market gaps and evaluate organizations on quantitative and qualitative metrics (goal setting, impact, financials, etc.)Originated organizational mission and vision, established detailed roadmap, and executed on roadmap to successfully build a team of volunteers, launch comprehensive website, and facilitate user research and donations. Analyzed customer needs and defined use cases to prioritize website features, conduct UAT, and effectively launch Minimum Viable Product, accelerating deployment timeline by 50% and collecting over $10,000 in donations. Established cohort of 8 volunteers, training new members on organizational vision, strategy, and goals. Created detailed roles and responsibilities for all positions in the organization and implemented successful internship program. Launched automated product tracking tool using Google Analytics to track and measure product performance with 20+ metrics (user adoption, engagement, donation amounts, etc.)

Co-authored proposal to Federal Housing Finance Agency (FHFA) on behalf of Multifamily Chief Risk Officer to establish new early warning metrics and improve risk monitoring on the Multifamily Book of Business valued at $400+ billion +. Provided ad hoc analytics and monthly reporting to senior leadership on emerging portfolio risks around Affordable Housing, LIHTC properties, and interest-only mortgages. Trained and mentored new analysts on SAS, SQL, Alteryx, UNIX, data infrastructure, and governance to maintain all MF Risk board reports and all data consumed by the Multifamily Risk department. Led authoring of detailed 110-page Job Aid to successfully reduce key-person dependencies on critical departmental responsibilities.

Conducted all key analysis for C-Suite, board, and FHFA for annual review risk-based capital requirements on the Multifamily Book of Business valued at $400 billion. Received commendations and distinguished award from Chief Risk Officer.Proactively assessed the need for Tableau knowledge across the risk analytics team and designed a 6-hour interactive training program. In a post-training survey, received an extremely high satisfaction rating. Gathered requirements for, executed, and productionized Conservator Capital Attribution report in Tableau; partnered with Multifamily CreditWorks team to define execution process, developed validation procedures in R, and automated data preparation phase using Alteryx/Batch scripts to decrease effort from one day to 30 seconds.

Engaged with customers to successfully drive implementation of new BI tool (Thoughtspot) for Multifamily Risk team; established methodologies for data validation, developed processes for data refreshes in UNIX, and trained consumers on best practices. Thoughtspot is now widely used and makes data more accessible to the end user.Elicited specifications from Multifamily Chief Risk Office to establish a new risk report comprising over 50 metrics reviewed monthly by senior management. Sourced data for new metrics, designed report in Tableau, and established validation procedure for successful implementation.Completed a 3-month data science boot camp, including capstone projects on Monte Carlo simulations, k-means clustering, time series analysis, and data cleansing methodologies.

Conducted financial modeling for potential multifamily real estate acquisitions by evaluating financial statements, property performance data, and market trends to assess investment opportunities and risks. Analyzed dozens of properties, averaging $50 million in value and 300 units. Introduced and implemented multifamily loan amortization table to accurately determine monthly payments, interest-only end dates, changing DSCR values, and balloon payments which improved valuation methods. Designed and implemented surveys to gather feedback from 1000+ current tenants, assessing their satisfaction levels and triaging complaints. Delivered superior customer service to all residents and navigated difficult conversations with frustrated residents.

• Created and presented weekly topics on real estate, including REIT trends, real estate valuations, and their underlying economic influences.• Regularly authored and submitted articles to SeekingAlpha regarding macroeconomic influences on the real estate market.