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.

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.

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..

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.

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.

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.

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