Tom Heron Email & Phone Number

United States

Lead Flagship Credit Risk Analytics team to develop new lending products and refine and develop lending strategy.

San Antonio, Texas Metropolitan Area

Analytical and product leadership to a small, inexperienced credit risk team.• Collaborated across multiple departments to develop improved underwriting which created incremental approvals with lower or equal risk through credit policy optimization and automation.• Built consensus across multiple departments to optimize and implement the new Bank Pricing System.• Rebuilt Credit Worthiness model and Pricing Level structure. Included building cross functional support across finance, product and risk to ensure stakeholder buy-in and appropriate requirements set. • Resulted in flawless execution and 20% lift in risk and pricing segmentation

San Antonio, Texas Metropolitan Area

SFO and Pricing Director responsible for financial reporting and pricing of $19 billion Consumer Lending portfolio• Lead a team of 4 analysts focused in finance, risk based pricing, data management & analysis, and pricing model development.• Large Scale Project & Program Management leader: Lead Consumer Lending and Credit Card pricing system development project and OFSAA 8 upgrade.• Developed new Consumer Lending pricing models to drive product redesign initiatives thereby positioning the products for success in a dynamically changing marketplace.• Overhauled Bank loss forecast process. Pulled together cross functional team that reengineered the process that added increased analytical rigor while adding transparency into the management decisions.• Collaborated and built support across the Enterprise for implementation of strategic credit risk system to Underwrite-the-Member. This new innovation could revolutionize how we interact with the member.• Executive Sponsor delegate and SME for USAA Underwriting & Data system redesigns for Credit Card and Consumer Lending.• Created Auto Market Demand model that allows business to more proactively respond to market changes.• Led Bank SFO Model Governance program.

San Antonio, Texas Metropolitan Area

Change agent for Company's Member Life Time Value (MLTV) model development and acceptance.• Executive Sponsor delegate for cross-enterprise development project to implementing MLTV model into the production environment.• Intimately familiar with broad cross-section of businesses and data systems across the enterprise.• Introduced MLTV into strategic and operational planning processes

Independent Business Consultant providing business operations efficiency consulting; start-up proposal writing, fund raising and management expertise; and marketing strategy optimization.

Recruited to drive step change in Collections, Credit Granting and Customer Service of $850 million credit portfolio. Implemented material positive impact within 4 months.

Vice President, Production Services (Operations + Direct Mail Marketing) Directed publishing and direct mail marketing operations of a $100M specialty publisher of alumni and membership directories. Reengineered operating processes, developed new products and reshaped the organizational culture to embrace change, enhance teamwork and increase flexibility.

Owner/Operator of a Meal Preparation business.

Redesigned NPV cost models, developed budgets, maximized revenues and drove company wide cost reduction initiatives.

Optimized customer acquisition, account management and credit policy for newly emerging immigrant markets.

Managed creative development and mail production processes for 500M annual mail piece strategy. Enhanced risk and response cut process and de-dup logic algorithms.

Submarine Officer

Msds, Data Analytics, 3.8

Master Of Science (M.S.) Equivelent, Nuclear Engineering

Bachelor Of Science (B.S.), Electrical And Electronics Engineering

Education record