-Developed "Enhanced Line Policy" to significantly boost exposure and loan purchase volume in near prime and prime space with reduced risk-Launched direct mail Recovery strategy to enhance overall recovery dollars on charged-off accounts-Developed new Collections segmentation to optimize usage of agents and better target high-risk accounts-Manage monthly credit review to identify potential problem areas and work towards proactive remediation

Sr. Business Analyst- US Card Collections Strategy and Analysis 2013-2015-Managed end to end design and launch of early delinquent messaging stream designed to improve customer experience by reducing point-of-sale declines and benefit financials by reducing long-term losses -Produced valuations, worked with brand partners to deliver creative, and navigated our extensive governance process to ensure that the end product complied with legal and corporate standards and regulations -Expected to reduce charge-off rates by 8 bps -Impacts 4 MM accounts annually-Delivered valuations and framework for 2014 Partnerships Collections Program Approval designed to outline overall strategy and generate governance metrics -Produced quarterly program monitoring of 2013 Partnerships Collections Program approval to ensure that our program stayed within pre-determined guardrailsBusiness Analyst, US Card Acquisitions Segments and Analysis 2012 - 2013-Built valuations and obtained credit approval to market our Flexible Due Date functionality to all accounts converting to Capital One branded cards from HSBC plastics -Determined that functionality is valuations neutral -Delivered messaging to ~6MM accounts-Redesigned valuations for AutoPay functionality by breaking down pre-existing model and reworking to account for discrepancies in assumptions related to duration of enrollment and impact on past due fees and long-term attrition rates-Led first analysis of Journey Credit Tracker; determined that enrollment is strong indicator of reduced credit risk, eventually resulting in roll out of the free Capital One Credit Tracker to all US Card customers.

Duties / AccomplishmentsResponsibilities include supervision of service staff, personnel acquisition and development, product cost analysis, arranging for and organizing private events, assisting with local marketing and promotions, and inventory managementThree: A Kitchen and LoungeAchieved an average of 6% year over year revenue growth despite challenging local market conditions. -Reduced cost of goods sold by an average of 5% on a year over year monthly comparison. Offered higher margin specials and reduced shrinkage by reducing waste and more closely supervising employees.The Virginian Restaurant-Recorded an average of 11% year over year revenue growth, despite working through a recessionary environment for much of my time there. We achieved this by improving service for patrons and timing promotions to maximize revenue based on customer volume.