CREDIT CARD INDUSTRY: 15 years experience
- New Capabilities
- Frictionless Mobile Credit and Prequalification capabilities: supported development team by forecasting potential, analyzing performance and recommending enhancements, and developing standard reporting
- Driver’s License and Co-brand Account Lookup: assisted with initial development, including vetting with legal, fraud, credit risk, and other business stakeholders. Supported implementation, performance enhancements, and post-implementation measurement
- Data Science
- Developed monitoring alerting tool to identify key credit card acquisition and account lookup performance issues, plus instituted issue resolution process that saved over $4 million to the bottom-line annually
- Managed project to pull Account Lookup data from AS/400 mainframe to Enterprise Data Warehouse, vetted and resolved data issues with application developer, automated reporting from EDW data table
- Designed Account Lookup data mart (attributes, elements, definitions, and code) to facilitate enterprise-wide consumption for reporting, monitoring, and analyzing key performance indicators.
- Performance Optimization
- Pioneered reporting for $5+ billion credit sales orphaned account lookup capability
- Established a multi-part strategy to enhance the Account Lookup capability and optimize performance through integration, search criteria, and store and web optimization
- Identified opportunities to improve sales by $300-400 million, plus supported cross-functional teams in working towards a full implementation to realize the gains
- Supported credit card paperless strategy, forecasting, and reporting for over 150 brands
- Customer Relationship Marketing
- Chosen as a vital member of a team to create a database marketing service division that grew to 30 analysts and managers
- Helped design 53 million customer relational database, develop pricing strategies, and create a systemic method of producing timely campaign results
- Provided credit card marketing support to retail partners, which generated $84 million in incremental sales from over 100 marketing campaigns, including VIP card, rebate, frequent shopper, and credit card relationship programs
- Negotiated $1.4 million in consulting retainers while managing a team of five Analysts
- Underwriting
- Assembled risk management team to support two of the fastest growing credit card portfolios (6 million cards in 3 years)
- Supported new account (credit limit, score cutoffs), collection, and fraud policy decisions by reviewing models, designing and monitoring champion/challenge programs, and analyzing performance
- Presented idea to CFO of report delinquencies without late fees, thereby reducing annual reserve requirements by $2 million