Ryan Barrett Email and Phone Number
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Ryan Barrett personal email
Ryan is a prominent leader in data science, digital identity verification, data monetization, alternative data, behavioral biometrics, fintech product strategy, GLBA-compliant fraud prevention, FCRA-compliant underwriting and credit risk strategies. He has extensive experience in evaluating and integrating with cutting-edge frontend and backend data products and creating long-term data monetization strategies for businesses that both reduce cost, and increase revenue. He has successfully architected complex API microservice ecosystems which have automated manual processes across multiple departments including operations, underwriting, collections, sales, and fraud. He led the data science and engineering teams that built Acima’s cloud-based, fully automated machine learning underwriting engine. This microservice ecosystem, and the intelligent underlying data architecture, helped Acima scale from $1M funded basis per month in May 2015 to over $100M in Feb 2021, when it was acquired for $1.6B by Rent-A-Center (ticker: RCII).Most recently, he co-founded Salus with James Chemplavil to expand credit access beyond what is available through the current outdated and highly biased US credit infrastructure (I'm looking at you, FICO).
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Co-Founder And CtoSalus Nov 2022 - PresentCharlotte, Nc, UsAs the CTO and co-founder of Salus, I’m passionate about leading the development of innovative technologies that are reshaping how personal loan underwriting decisions are made in the financial technology industry. We partner with fintechs, credit unions, and banks to fully digitize and automate personal loan underwriting decisions up to $10,000.
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Board AdvisorSoma Oil Apr 2023 - Oct 2024 -
Chief Technology Advisor - Data ScienceVísi Aug 2021 - Dec 2023Pleasant Grove, Utah, UsAs Chief Technology Advisor, I lead the digital go-to-market strategy for emerging global markets, and apply data science best practices to current portfolio of products, partners, and e-commerce initiatives. -
Board AdvisorGuardinex Inc Apr 2021 - Dec 2023Bala Cynwyd, Pa, UsGuardinex provides a unique and patented solution for leveraging Surface Web and Dark Web data to mitigate third-party fraud and malicious intent. -
Head Of UnderwritingBureau, Inc. Jul 2022 - Nov 2022San Francisco, UsI oversaw global underwriting strategy for the company, and helped architect Bureau's Identity Trust Network API. -
FounderElevate Foundry May 2022 - Nov 2022Salt Lake City , Ut, UsCredit and non-credit lending application as-a-service -
Co-FounderElevate Community Nov 2021 - Nov 2022Our mission is to espouse sustainable building/retrofitting practices in real estate through technology and innovation. -
Product Advisory Board MemberDatarobot Oct 2021 - Nov 2022Boston, Massachusetts, UsDuring quarterly meetings with DataRobot product executives, discuss all facets of platform from UI strategy to pricing models to future product releases. -
Customer Advisory Board MemberEquifax May 2021 - Nov 2022Atlanta, Ga, UsAlong with a panel of other Equifax consumers, I helped drive product strategy through CAB sessions held quarterly -
Vp, Data Science And Credit RiskAcima Credit Feb 2018 - May 2022Draper, Ut, UsResponsible for developing and executing on data monetization and product strategies which transitioned the organization away from manual underwriting, to a fully automated, data-driven decision engine.• Improved credit/risk decisioning using innovative underwriting strategies, scaling revenue from $1M gross merchandise volume (GMV) per month to over $100M GMV while keeping returns consistently over 30%• Managed team of high-performing Data Scientists, Data Engineers, Business Intelligence Analysts, and Fraud Analysts tasked with building, maintaining and monitoring performance of portfolio• Provide insights and recommendations to C-suite and leadership peers to define long-term business strategy and to continuously align data monetization strategies to organizational goals• Responsible for evaluating, integrating, and partnering with cutting-edge data vendors to increase incremental EBITDA, while keeping data costs less than 1% of revenue• Partnered with compliance and legal to ensure data strategies and products complied with GLBA and FCRA regulations, as well as within CFPB guidelines -
Director, Data ScienceAcima Credit May 2015 - Feb 2018Draper, Ut, UsBrought on by Founders to clean up operational data and optimize underwriting strategy. Established and executed on innovative credit strategies centered around turning consumer data into an underwriting decision that had a positive expected return.• Architected a proprietary microservice-based application which transitioned underwriting strategy from a rules-based engine to a statistical model• Integrated to an auto-ML platform, decreasing the turnaround time to deploy new machine learning models, and increasing capabilities in testing and experimentation• Worked closely with Data Engineering to architect first data warehouse, using AWS, to put a data science transformation layer on top of the underwriting strategy• Oversaw and conducted retro data studies which evaluated the cost effectiveness of data vendors and partnerships
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Quantitative AnalystZions Bancorporation Feb 2015 - May 2015Salt Lake City, Utah, UsAs a quantitative analyst, I leveraged Zions' vast database of internal transactions and external data APIs to build compliant CCAR models. -
Healthcare StatisticianIcor May 2009 - Jan 2015Published articles as lead statistician in multiple journals across various subjects including traumatic brain injury, spinal cord injury, geriatric care, and the Braden Scale.
Ryan Barrett Skills
Ryan Barrett Education Details
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University Of UtahMathematics And Statistics -
University Of UtahMathematics
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West High SchoolGeneral
Frequently Asked Questions about Ryan Barrett
What company does Ryan Barrett work for?
Ryan Barrett works for Salus
What is Ryan Barrett's role at the current company?
Ryan Barrett's current role is co-founder/cto | data science | GLBA, FCRA, CCPA, ECOA, TILA compliant methodologies.
What is Ryan Barrett's email address?
Ryan Barrett's email address is ry****@****dit.com
What schools did Ryan Barrett attend?
Ryan Barrett attended University Of Utah, University Of Utah, West High School.
What skills is Ryan Barrett known for?
Ryan Barrett has skills like Leadership, Mathematics, Api Development, Neural Networks, R, Data Science, Algorithms, Microsoft Powerpoint, Start Ups, Software As A Service, Data Analysis, Ebitda Growth.
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