Ryan Barrett Email & Phone Number

Charlotte, NC, US

As 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.

Pleasant Grove, Utah, US

As 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.

Bala Cynwyd, PA, US

Guardinex provides a unique and patented solution for leveraging Surface Web and Dark Web data to mitigate third-party fraud and malicious intent.

San Francisco, US

I oversaw global underwriting strategy for the company, and helped architect Bureau's Identity Trust Network API.

Salt Lake City, UT, US

Credit and non-credit lending application as-a-service

Our mission is to espouse sustainable building/retrofitting practices in real estate through technology and innovation.

Boston, Massachusetts, US

During quarterly meetings with DataRobot product executives, discuss all facets of platform from UI strategy to pricing models to future product releases.

Atlanta, GA, US

Along with a panel of other Equifax consumers, I helped drive product strategy through CAB sessions held quarterly

Draper, UT, US

• Responsible 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

Draper, UT, US

• Brought 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.
• 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

Salt Lake City, Utah, US

As a quantitative analyst, I leveraged Zions' vast database of internal transactions and external data APIs to build compliant CCAR models.

Published articles as lead statistician in multiple journals across various subjects including traumatic brain injury, spinal cord injury, geriatric care, and the Braden Scale.

Master Of Statistics (Mstat), Mathematics And Statistics

Bachelor Of Science (B.S.), Mathematics

High School, General