Learn how to develop credit risk scorecard models (2-day consulting engagements).

Responsible for operations company wide including loan originations, loan servicing including collections and asset recovery, and enterprise risk management including credit risk optimization through the use of internally developed scorecard models and fully automated loan decisioning.

* Played significant role in shaping CPS’ growth as a national leader in sub-prime auto lending over 23 years.* Championed numerous operational procedures over many years with a focus on Originations and Collections, implementing risk modeling and custom scorecard models (when applic.), design and implementation, systems development oversight, operational implementation oversight, and post-implementation reporting and measurement on an ad hoc and production basis. Provided written and live training across all levels of management to ensure success.* Managed CPS’ Systems and IT department for 10 years, responsible for internal programming team, IT infrastructure, call center expansions, and disaster recovery operations. * Brought internal scorecard development capabilities using SAS and SPSS for originations and collections (lead development responsibilities).* Developed champion/challenger collections strategy employing best-time-to-call logic and passive/aggressive stepped calling approach on the auto-dialer.* Developed and implemented recovery scorecards for asset recovery and loan selection for determining which charge-off accounts to keep in-house and which accounts to sell to collection agencies.* Played leading role in development of proprietary auto-decision program evolution, growth and expansion for loan originations (championed auto decision growth rate from 0 to 100% over many years).* Played leading role in development of score-based risk pricing platform for loan originations.* Industry/peer recognition: I was asked to write a back-cover endorsement for SAS' latest publication on credit risk scorecard development (Intelligent Credit Scoring by Naeem Siddiqi).* Authored company’s first comprehensive Disaster Recovery Plan.* Designed and championed company Intranet with paperless forms and with a strong focus on HR integration and administration.* Facilitated several branch/call center expansion projects.