Experience
Two decades delivering measurable results across retail banking, financial services consulting, and regulatory compliance — in the U.S., Europe, and globally.
Led fair lending compliance transformation for a regional financial institution after identifying critical model deficiencies that would have failed regulatory examination, protecting $400M lending portfolio from enforcement action.
- Diagnosed and corrected fatal technical flaws in existing fair lending models, rebuilding compliant statistical frameworks that withstood subsequent regulatory scrutiny
- Delivered automated disparate impact testing system across 10+ lending products, reducing compliance review cycles from weeks to days
- Trained client analytics team on fair lending model governance, creating documentation standards that institutionalized compliance beyond project completion
Led high-stakes consulting engagements for global financial services clients, serving as trusted advisor on credit risk, regulatory compliance, and analytics transformations. Managed delivery of 10+ strategic projects while building executive relationships that consistently expanded client engagements.
- Prevented potential regulatory failure for major international bank by identifying critical flaws in politically sensitive credit model, rebuilding analytical framework that improved accuracy 15% while ensuring compliance—client expanded engagement based on demonstrated expertise and trust
- Delivered 22% improvement in financial advisor opportunity identification by engineering recommendation engine dashboard at Canadian wealth management firm serving 380K households, driving measurable cross-sell revenue growth
- Built transaction analytics platform integrating multiple data warehouses to track lifecycle performance across 20M+ transactions (scalable to 250M), enabling real-time credit portfolio monitoring and strategic decision-making for leading financial institution
- Scaled and led Fair Lending compliance program for prominent U.S. bank from 2 to 5-person consulting team, overseeing design, validation, and regulatory documentation of 40+ credit models under tight examination deadlines
- Managed cross-functional teams of 2-5 data scientists and analysts on complex transformation projects, balancing delivery quality with professional development and knowledge transfer to client teams
- Created performance measurement frameworks and KPI dashboards across multiple client engagements, establishing data-driven accountability for strategic initiatives
Delivered critical credit risk and compliance modeling projects for U.S. financial services clients while mentoring junior data science staff.
- Engineered overdraft line assignment strategy that reduced client exposure by $250M while preserving revenue streams, balancing risk appetite with profitability objectives across retail banking portfolio
Drove credit risk strategy and portfolio optimization as internal analytics consultant to retail banking business units, delivering quantifiable improvements in profitability, operational efficiency, and regulatory compliance across €2B+ loan portfolios. Led portfolio stress testing and scenario analysis to assess credit performance under adverse economic conditions, supporting strategic planning and capital adequacy requirements.
- Identified €65M in untapped marketing opportunities through transaction data mining analysis of consumer banking patterns, enabling targeted cross-sell campaigns that improved customer acquisition economics
- Reduced Czech Republic credit card portfolio losses 11% by rebuilding credit decisioning framework using profitability-driven segmentation, protecting revenue while tightening risk controls in deteriorating market conditions
- Accelerated Basel II regulatory compliance by 75% through engineering of automated rating classification system, ensuring timely capital adequacy reporting while reducing operational risk of manual errors
- Cut credit strategy testing cycles 50% by developing algorithmic segmentation framework, enabling business units to iterate faster on pricing, line assignment, and approval strategies in competitive market
- Automated feature engineering workflows that reduced manual model development effort 50% while improving predictive accuracy 12%, establishing reusable infrastructure for analytics team
- Built internal credit modeling capability by designing and delivering training program that upskilled 7 analysts, enabling team to independently execute 20+ logistic regression models and reducing dependency on external consultants
Delivered credit risk and fraud detection models for major retail private label portfolios including Home Depot and oil company brand cards. Led a 5-person cross-functional team building full-lifecycle risk models — spanning acquisition through collections — that improved loss prediction accuracy 21% while optimizing credit line assignments across multi-billion dollar partner portfolios.
- Delivered advanced credit risk and fraud detection models for retail private label portfolios, partnering across Legal, Compliance, Operations, and Risk Management to balance regulatory requirements with business objectives. Reduced Home Depot Private Label portfolio delinquency rates 10% through redesigned credit decisioning models that improved risk segmentation while maintaining approval rates, protecting profitability on multi-billion dollar partner portfolio
- Improved fraud detection efficiency 27% by engineering machine learning models that identified more fraudulent applications with zero increase in investigation costs, optimizing the precision-recall tradeoff to maximize fraud prevention ROI
- Led 5-person cross-functional team developing risk models for commercial Retail Private Label portfolio that improved prediction accuracy 21%, enabling more precise credit line assignments and reducing unexpected losses