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