Nicholas Payne Email & Phone Number

Atlanta, Georgia, US

Atlanta, Georgia, US

Atlanta, Georgia, US

Atlanta, Georgia, US

• Leveraged decision tree learning methods and new credit bureau data, risk models to segment the personal installment loan application funnel into potentially new approvals and declines. Designed credit policy, product.
• Authored weekly summary of new developments and trends for senior management as a part of a weekly review of credit and collections performance. This responsibility included leading a weekly meeting with the.
• Created custom credit policy to support new products for a fortune 100 retail partner. Generated pricing and valuations which included vertical/horizontal impacts and effects on capital adequacy. Presented analysis and.
• Collaborated with legal and collections partners to design and implement both traditional and digital loan servicing and collections strategy initiatives. Key projects include supporting the collections operations team.

Atlanta, Georgia, US

• Combined CART analysis with manual review of case notes to identify high risk, potential fraud population applying through online channels which enabled us to cut millions of dollars in annual losses with minimal.
• Developed a regression based scoring model to target assets in the recoveries arena and piloted a segmentation strategy which provided insights that allowed us to optimize agent efforts and materially increase recoveries
• Created standardized monitoring of collections and fraud operations performance and crafted product based credit monitoring to rapidly compare product performance to expectations
• Designed and monitored multiple direct mail tests to optimize collections and recoveries performance
• Supported collections operations team in implementing a segmentation strategy, in recoveries staffing decisions and, in the integration of a new dialer system
• Designed a monitoring algorithm to flag anomalous activity in sub-segments of the installment loan portfolio

Athens, GA, US

• Created and developed code to analyze dozens of forecasting models of a key risk management metric related to futures contracts, and employed a Bayesian approach to handle model selection and uncertainty
• Partnered with industry experts and USDA to conceptualize industry needs and create a research agenda
• Independently investigated research topics; documented and communicated results and methods to faculty, and wrote academic articles based on research; presented and defended findings within department and at an.

• Worked with staff to create a data set from physical counts, vendor invoices, and the accounting system which helped identify and reduce inefficiencies in inventory purchases and management
• Aided in the yearly budget process by preparing analysis of previous years’ variances and presenting findings at budget meetings between event coordinators and management
• Completed tasks associated with various aspects of an accounting information system including cash receipt, accounts receivable/payable, adjusting entries, and monthly financial statement preparation which included a.

Macon, Georgia, US

• As the ARC’s first business-course-only tutor, worked with faculty and staff to develop learning aids and foster relationships with students in order to facilitate learning in areas of finance, cost and financial.

M.S., Agricultural And Applied Economics, Applied Economics

B.S., Business And Information Technology, Accounting Focus, Mathmatics Minor