Scott Pearson Email & Phone Number

Oakville, On, Ca

Toronto, Ontario, Canada

Toronto, Ontario, Canada

Responsible for the ongoing management, development and implementation of business intelligence programs that utilize data, predictive models and rules to improve and speed business processes. Benefits include reductions in cost and error, and enhancements to risk management and profitability.

Toronto, Canada Area

Responsible for the successful introduction of transformational change initiatives, taking projects from concept and business case through full implementation. Recently completed the national rollout of a new highly-skilled central team that now plays a key role in our annual customer risk rating process. Central team has reduced errors and cost for this function, and reduced adminstrative burden for the front-line staff. Annual savings of approximately 10 FTE and $1.5MM in cost. Currently working on a large transformational program that will improve the efficiency of the Business Bank, improve the effectiveness of our front-line staff, and improve our customer experience. Projected annual cost savings in the $10 - 30MM range.

Provided thought leadership and operated as internal consultant to our Business Banking group to sellbenefits, and guide implementation, of risk-based pricing and automated loan decisioning. Led development and creation of first risk-based pricing model and process for Business Banking loan applications which resulted in immediate margin improvements of 40 bps, worth $2MM annually. Re-priced existing lines based on credit score shifts resulting in $1.7MM first-year incremental margin. Successfully led development and implementation of first automated credit decision process; 20% of applications from this group are now fully automated.

Buffalo/Niagara, New York Area

Created new category of expertise and was recognized as the expert on risk-based pricing and automateddecisions. Guided ideas from initial concept through full implementation. Developed and implemented automated credit processing strategies for all loan products in Consumer Lending, ultimately resulting in 43% of all credit decisions being fully-automated. Utilized combination of credit expert systems and statistical analyses to develop important corporate intelligence program. o FTE avoidance in excess of $2MM annually. o Booking rates increased by 9.3% due to faster decisions. o Delinquency and loss rates consistently below historical & projected levels. o Improvement in Compliance, Risk Management, Silo Integration and Management Control. Successfully proposed and influenced creation of risk-based pricing program. o Resulted in a 400% increase in loan bookings and $20MM annual contribution improvement. Approval rates and loan margins improved for applicants with lower credit scores. Loan bookings increased for applicants with better credit scores due to lower prices. Developed review rules for all loan applications to identify for credit underwriter which credit or fraud rules require follow-up, and to identify significant existing bank relationships. Analytics and automation strategy development influenced credit buying within Consumer Lending leading to a significant improvement in customer experience due to speed and improved loan pricing. Identified and led large project required to improve data quality and systems, which enabled successful rollout of automated decisions.

Led the delivery of a decision engine as part of development of a new loan origination system. Managedteam of eight individuals to document, and code, existing and new decision rules from loan applicationthrough loan booking. Project delivered on-time and on-budget, and recognized by senior management as a great success. The Strata decision engine was rated the highest quality project component upon implementation.

Buffalo/Niagara, New York Area

Introduced predictive response models for direct mail campaigns which lifted response rates and returned program to profitability. Introduced risk-based pricing on direct mail campaigns, which increased response rates, balances, and profitability.Implemented enhanced pricing that helped improve margins and increase loan balances.Developed first online application for M&T Bank consumer loans. The application was subsequently rated as 16th best online loan application nationally by Gomez.com.

Responsible for account acquisition, activation and retention for 2.4 million retail card portfolio.

Performed various marketing functions for Canada's most-shopped general merchandise retailer. Created 1st credit card application catalog insert that leveraged images and styling from the company's iconic catalog. Subsequently, the CEO of Canadian Tire stood up and highlighted my credit application and described it as a company-wide best practice for integrated communications. Developed a "Welcome to the Neighborhood" direct mail program that was deemed so successful by our dealer network, the program was adopted by Canadian Tire Retail.

Mba, Finance & Marketing, 4.0 Gpa

Activities and Societies: Beta Gamma Sigma Honor Society Wall Street Journal Award for academic achievement

Graduate School, Retail Bank Management

Bachelor Of Computer Science, Business Systems

Activities and Societies: Co-President Computer Science Students Association

Education record