Stephen Hayes

Stephen Hayes Email and Phone Number

Head of Data and AI Strategy @ Lenders Cooperative
Wilmington, NC, US
Stephen Hayes's Location
Wilmington, North Carolina, United States, United States
Stephen Hayes's Contact Details

Stephen Hayes personal email

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Stephen Hayes phone numbers

About Stephen Hayes

Passionate about expanding access to capital for small businesses through innovative financial technologies. With 15+ years in finance and data analytics, I lead data and AI strategy at Lenders Cooperative, revolutionizing how community banks serve small business needs.At Live Oak Bank, "America's Small Business Bank," I developed data-driven strategies and pricing models that enhanced lending decisions for thousands of small businesses. This work laid the foundation for my co-founding of Lumos Data, where we created industry-leading credit scoring models to further democratize small business lending.Now at Lenders Cooperative, I'm leveraging AI and machine learning to empower financial institutions to better serve their small business customers. My focus: using data to optimize lending processes, enhance risk management, and ensure regulatory compliance – all aimed at increasing capital flow to small businesses.Let's connect and explore how data can drive financial inclusion and small business success!

Stephen Hayes's Current Company Details
Lenders Cooperative

Lenders Cooperative

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Head of Data and AI Strategy
Wilmington, NC, US
Website:
lenderscooperative.com
Employees:
47
Stephen Hayes Work Experience Details
  • Lenders Cooperative
    Head Of Data And Ai Strategy
    Lenders Cooperative
    Wilmington, Nc, Us
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  • Lenders Cooperative
    Head Of Data & Ai Strategy
    Lenders Cooperative Aug 2024 - Present
    Spearhead the development and implementation of innovative data and AI strategies for 140+ financial institutions across the United States. Lead the creation of advanced analytics and AI solutions, including custom predictive models and AI-driven customer segmentation tools.Enhance model risk management solutions, ensuring robust governance and validation processes for financial institutions' analytical models. Drive the integration of data intelligence with Lenders Cooperative's Loan Origination System (LOS) and Loan Service Provider (LSP) platform, creating a unified environment for comprehensive insights.Key Objectives:• Develop and deploy custom AI and machine learning solutions to enhance lending decisions, risk assessment, and customer segmentation.• Design and implement model risk management and validation frameworks to ensure regulatory compliance and optimize model performance.• Create data-driven strategies for lending optimization, portfolio growth, and risk management.Implement analytics solutions for regulatory compliance, including CECL, stress testing, and fair lending requirements.• Provide strategic advisory services, including data-driven business strategy development and M&A support.• Position Lenders Cooperative as an industry leader in data-driven banking innovation and fintech solutions.• Drive operational efficiency and cost reduction through data-driven insights and process optimization.
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  • Lumos Data
    Director
    Lumos Data Oct 2021 - Present
    Provide strategic guidance and oversight as a member of the Board of Directors. Contribute to long-term business strategy, leveraging expertise in financial services and data analytics. Helped successfully raise over $5 million in funding to support the growth and development of Lumos Data enabling continued company growth and innovation in small business lending analytics.
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  • Lumos Technologies, Inc
    Co-Founder And Cfo
    Lumos Technologies, Inc Oct 2021 - Apr 2023
    Co-founded Lumos Data to help financial institutions grow and diversify their small business loan portfolios with innovative data analytics and advisory services. Developed cutting-edge solutions to address critical challenges in small business lending, leveraging advanced data analytics and AI technologies with robust Model Risk Management.Key Accomplishments:• Developed the industry-leading PRIME+ small business credit score, enhancing underwriting efficiency and risk assessment accuracy for loans under $500,000.• Led the development of the Lumos Business Report, Qualification Grade and Portfolio Insights, leveraging Generative AI and Machine Learning to accelerate loan growth and improve operational efficiency.• Launched the Lumos Portal, a centralized cloud-based platform providing actionable insights for strategic decision-making in SBA loan portfolios.
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  • Telios
    Director
    Telios Jul 2020 - Dec 2023
    Provided ongoing strategic guidance and oversight as a member of the Board of Directors. Contributed to long-term vision and growth strategies for the company, focusing on the evolution of decentralized peer-to-peer technologies for private, encrypted data sharing.
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  • Telios
    Co-Founder And Ceo
    Telios Jul 2020 - May 2022
    Founded and led a SaaS technology startup focused on decentralized peer-to-peer technologies for private, encrypted data sharing.Key Accomplishments:• Successfully raised $367,000 in capital to fund company growth and product development. • Established and managed all aspects of the Delaware C-Corporation, including compliance with various government entities.• Implemented Xero Accounting system, building a 160+ account SaaS chart of accounts and processing 250+ journal entries. • Developed the Financial Model, Investor Pitch decks, managed the cap table, and issued SAFE notes to investors.
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  • Live Oak Bank
    Svp - Data Analytics
    Live Oak Bank Dec 2012 - Oct 2021
    Wilmington, North Carolina Area
    Led a dedicated analytics team of data scientists and financial analysts, driving corporate-wide strategic decisions through in-depth business data knowledge. Developed strategic plans and financial scenarios for 50+ business units, enhancing overall bank performance.Key Accomplishments:• Created the Data Insights Platform utilizing Tableau, Python, and AWS Redshift, featuring over 100 unique dashboards with 4,000 monthly email subscriptions and 50%+ active employee engagement. • Designed the PPP Loan Process in Salesforce, facilitating $1.7 Billion in funding for 11,000 customers during the Covid pandemic.• Developed PriceAI, a machine learning loan pricing model assessing the financial profitability and risks of 4,000+ loans daily using 50+ inputs.• Prepared strategic analysis and financial materials for the company's successful 2015 IPO.• Served on the Model Risk Management Committee and implemented comprehensive model validation processes, significantly reducing model risk and improving regulatory compliance.
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  • Bcbsnc
    Financial Analyst
    Bcbsnc Jun 2009 - Nov 2012
    Chapel Hill, Nc
    Designed the "Integrated Financial Model" in Excel to forecast over 35 financial scenarios, crucial for executive and board strategic planning for Health Care Reform. Developed a comprehensive membership model combining 33 disparate sources to analyze market share, demographics, and competitive landscape. Key Achievement: Received Spot Award for Strategic Work on Health Care Reform.
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Stephen Hayes Skills

Finance Financial Analysis Analysis Analytics Financial Modeling Strategy Risk Management Market Analysis Data Analysis Health Insurance Financial Reporting Business Analysis Process Improvement Analytical Skills Corporate Finance Forecasting Financial Risk Valuation Project Management Strategic Financial Planning Business Process Improvement Project Planning Software Project Management Communication Managed Care Insurance Sas Statistical Modeling Statistics Predictive Analytics Predictive Modeling Data Mining Time Series Analysis Monte Carlo Simulation Rapidminer Linear Regression Business Strategy Credit Analysis Banking Financial Forecasting Machine Learning Python Tableau Microsoft Excel Corporate Fp&a Data Analytics Data Science Sba Loan Pricing Jupyter Amazon Web Services Amazon Redshift Sap Cloud Platform

Stephen Hayes Education Details

Frequently Asked Questions about Stephen Hayes

What company does Stephen Hayes work for?

Stephen Hayes works for Lenders Cooperative

What is Stephen Hayes's role at the current company?

Stephen Hayes's current role is Head of Data and AI Strategy.

What is Stephen Hayes's email address?

Stephen Hayes's email address is st****@****ank.com

What is Stephen Hayes's direct phone number?

Stephen Hayes's direct phone number is +191079*****

What schools did Stephen Hayes attend?

Stephen Hayes attended University Of North Carolina At Chapel Hill - Kenan-Flagler Business School.

What skills is Stephen Hayes known for?

Stephen Hayes has skills like Finance, Financial Analysis, Analysis, Analytics, Financial Modeling, Strategy, Risk Management, Market Analysis, Data Analysis, Health Insurance, Financial Reporting, Business Analysis.

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