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Work Background
FlexLead, Credit Bureau and Credit Policy - Special Handling
Jul. 2024New Jersey, United StatesResponsible for credit data partnerships, credit bureau reporting and credit policy for special handling groups.
➤ Launched Credit Bureau reporting for Secured Line of Credit product and oversaw policy for rent reporting and dispute management
➤ Established a comprehensive portfolio management feed from Credit Bureau to support ongoing customer management assessment and credit modelling. Project included use of bespoke attributes resulting in significant credit model improvements.
➤ Implemented Acquisition and Customer Management policies for Bankruptcy and Hardship
VantageScore SolutionsLead, Bureau Alliance Management & Lender Engagement
May. 2020 - Feb. 2024Hoboken, New Jersey, United StatesLed relationship management activities between VantageScore, national credit bureaus, lenders, and financial service providers
➤ Authored business and consumer facing collateral, including white papers on credit score use in mortgage industry and risk management strategies, that formed core of numerous PR campaigns. Examples : Mortgage White Paper, Capital Markets Blog, Model Assessment, Migration Playbook ➤ More than doubled sales of VantageScore credit scores during my tenure by establishing network of contacts across credit bureaus, leading lenders and fintechs, through targeted engagement that promoted use of VantageScore in financial services industry. Recognized as a key contributor to corporate goals in lender engagement. ➤ Created business’s first CRM database using internal and external sources, used it to perform direct outreach to bureau staff and lenders via email and social media.
➤ Hosted webinars on credit score use in mortgage industry and capital markets, as well as a consumer-focused podcast.
➤ Led competitive intelligence research and analysis for external perspective to educate staff on credit data industry.
➤ Restructured consumer education material across communication channels to maximize use of resources by lenders and credit bureaus.
American ExpressDirector, Global Consumer and Commercial Bureau
Apr. 2014 - May. 2020New York, New YorkSpearheaded an international team to identify opportunities, design solutions, and project manage improvements in third party data management performance, efficiency, and effectiveness.
➤ Transformed availability of commercial credit data by transitioning from monthly to daily refresh in US and 5 global markets, increasing available variables by 200% at no additional cost.
➤ Successfully resolved a regulatory order by implementing a new transparent reporting system for US consumer bureau reporting, based on comprehensive analysis of legal and regulatory requirements
➤ Reduced decision time for commercial product applications from 30 seconds to under 5 seconds, meeting contractual service level agreement with a major new strategic partner.
➤ Oversaw a significant expansion of available data types through global solutions and new contracts, including court, property value, UCC, and Liens.
➤ Achieved a 5% improvement in accurate account linkage in 21 international markets by revamping match acceptance rules and integrating 3rd party data sources.
American ExpressSenior Risk Manager, Credit Bureau Reporting International
Jan. 2012 - Apr. 2014United KingdomLed an international team of Project Managers, Business Analysts, and Operational Specialists in managing tech and operational projects to mitigate credit bureau legal and regulatory operational risk across Europe.
➤ Conducted deep-dive assessments on 'Credit Bureau Disputes' and 'Debt Forgiveness' in 21 markets to address regulatory concerns, partnering with local teams to develop solutions.
American ExpressRe-Engineering Manager, Credit Project Management
Mar. 2011 - Dec. 2011United KingdomAnalyzed, coordinated, and measured benefits of OpEx and provision projects to prioritize investments
➤ Created a new 'Customer Contact to Net Loss Provision' benefit model to improve contact strategy effectiveness.
American ExpressProject Analyst, Collections Agency Optimization
Jan. 2010 - Mar. 2011United KingdomOptimized 3rd Party collections agency management
➤ Launched new market-share method that improved alignment between agency and business goals
American ExpressPerformance Analyst, Management Information
Jun. 2006 - Jan. 2010United KingdomCompletely redesigned the processes for the creation of accurate Management Information for Risk Operations.
➤ Re-built all reporting activities by automation, consolidation and addressing bad demand.
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