Credit Risk Management for Dealer Service Auto Loan, Lease and RV/Marine, including credit policy recommendation, strategic risk initiatives and the portfolio monitoring and reporting.•Identify key risk factors and develop proposed solutions that will enhance Dealer Service portfolio credit quality and grow business volume. •Leverage risk models, risk band tool, bureau attributes to design strategies for system decisioning.•Access and query a multitude of databases to support modeling team.•Coordinated with Corporate Credit risk team to support internal auditing, yearly OCC auditing and yearly internal policy review. •Manage reporting team to build regular reports including portfolio MIS reports, vintage reports, credit exception reports, testing programs monitoring, fraud reports etc

·Developed, validated and implemented various models for loss forecasting, portfolio stress testing and other targeted analysis. Projects included bankcard LGD model, bankcard NPA (non-performing asset) forecasting, mortgage short sale analysis etc;·Conducted quarterly stress test and mid-year loss plan report for home equity portfolio, create related documentation, operational procedure and presentation deck for internal and external auditing;·Performed various ad-hoc analysis for consumer portfolio as needed such as mortgage loan re-default analysis, collection policies analysis, zip preference data pull for bureau, etc;

·Ran monthly bankcard portfolio risk deck for senior management to understand current portfolio performance, policy impact tracking and potential credit risk. ·Designed and developed statistical analyses/model to support management decision-making as it applies to consumer bankcard portfolio risk management, such as develop bankcard line decrease strategies, rebuild authorization policies, bankcard acquisition analysis, channel analysis, mortgage home bundle analysis, internal scorecard tracking and validation;·Accessed and queried a multitude of databases and automate weekly and monthly report as appropriate by SAS Macro, SQL and Excel;

·Prepared credit card model data from different data source, Developed predictive risk models and validated models using credit bureau data and internal customs transaction and repayment information. Major projects including: credit card risk model, response model, vantage score analysis etc; ·Collected and analyzed vendors’ information or campaigns performance and proposed action plan and strategies through comprehensive data analysis;·Performed various analyses to give senior management insight in developing acquisition and portfolio management strategies, such as retention program analysis, promotion offers performance tracking, segments P&L analysis;