Head of Underwriting and Business Analysis (M&A) and Senior Credit Officer for the Capital One Walmart Credit Card Partnership at Capital One

Head of Underwriting and Business Analysis (M&A) for the Capital One Walmart Credit Card Partnership at Capital One

Led the US Card Divisional Credit Office, covering our Branded Card and Partnership Card businesses. Served as approval authority for credit decisions in the US Card business. Drove analysis and insights on consumer credit trends and downturn preparedness. Developed credit talent through training and mentoring. Served on key credit committees, providing insights and information to the CEO and CRO and assisting with quarterly earnings preparation. Regularly interacted with regulatory agencies (OCC, FRB, CFPB) through examinations and reporting.

Led the US Card Divisional Credit Office, covering our Branded Card and Partnership Card businesses. Served as provisional approval authority for credit decisions in the US Card business. Drove analysis and insights on consumer credit trends. Served on key credit committees and interacted with regulatory agencies. Accredited as Senior Credit Officer in 2016.

Led the Branded Card Divisional Credit Office. Managed team of credit analysts, supporting business decision-making and driving insights through analysis. Led credit training courses and served as mentor for developing Credit Officers. Drove significant reporting, governance, and credit policy improvements. Managed responses for regulatory exams and interactions (OCC, FRB, CFPB, FDIC). Recruited and developed talent.

Oversaw credit decisions and business results in US Card. Advised senior decision-makers in US Card business and in Credit Risk Management. Developed reporting, drove governance and credit policy improvements, and taught credit training courses. Managed responses for regulatory exams and interactions (OCC, FRB, FDIC). Recruited and developed talent. Accredited as Credit Officer in 2012.

Conducted analysis and led teams within several areas of US Card Customer Management. Developed financial models and optimized credit policy in various teams to enhance customer experience and drive profitability. Teams included:- Pricing, Fees, and Yield Management - Transaction Authorizations- Balance Transfer and Access Check Marketing and Credit Policy- New Product Innovation- Portfolio DefenseLed components of a major technology system conversion. Prepared portfolio for Credit CARD Act of 2009 (major legislation change impacting the Card industry) and managed key policies during Great Recession. Regularly prepared information for regulatory agencies and interactions with Senators and Members of Congress. Ensured high quality execution and regulatory compliance. Engaged with external consultants, and managed, developed, and recruited associates.

Optimized marketing and product strategy for Cross-Sell team, a key profit center within Capital One. Designed, executed, and analyzed marketing and product testing. Drove customer segmentation and targeting strategies. Key analyst in development of new credit monitoring service sold to millions of customers. Ensured high quality implementation, and helped to manage business partner relationships.

Intern with Capital One’s Cross-Sell team.