Feb 2025 – Aug 2025 · 6 mos · Remote

• Responsible for ongoing monitoring of large exposure credit accounts, including reviewing financial statement trends, assessing exposure risk, and escalating recommendations to senior credit leadership.
• Designed a revamped financial statement monitoring framework to improve consistency and scalability across large exposure accounts; adopted as the blueprint for future automation.
• Stepped into this focused underwriting role to remain closely engaged with fintech credit operations, while supporting personal commitments outside of work.

Jun 2024 – Feb 2025 · 8 mos · Remote

• Owned lifecycle credit strategy for an MCA portfolio with $20MM in average receivables and over $130MM in cumulative originations; led a team of two data scientists, and provided strategic oversight to the collections function to align credit performance goals and execution.
• Brought the MCA program to profitability for the first time by leading the overhaul of the customer management framework, which included risk-tier segmentation and behavioral pricing experiments.
• Designed and launched a new underwriting strategy using enhanced credit data integrations to reduce denials and optimize line assignments.
• Partnered cross-functionally with Engineering, Finance, Product, and Compliance to test credit hypotheses, iterate on strategy, and align risk-reward tradeoffs with business objectives.

Jan 2023 – Jun 2024 · 1 yr 5 mos · Remote

• Implemented and continuously optimized automated underwriting decision logic used to evaluate 16K+ MCA applications and support $100MM in originations, balancing approval growth with policy risk thresholds.
• Developed credit policies in partnership with Director of Underwriting and Data Science and translated them into scalable decision logic frameworks and re-underwriting logic across a $20MM active MCA portfolio.
• Analyzed customer DDA transaction behavior using SQL and R to support policy refinement, detect early risk signals, and validate segmentation strategies.

Jul 2021 – Jan 2023 · 1 yr 6 mos · Austin, Texas, United States · Remote

• Led a multi-team initiative to revamp three small business loan products using alternative data sources and customer segmentation, driving $13MM in originations, 0% early default rate, and a 31% faster throughput time.
• Developed the organization’s first portfolio risk rating model, a classification model predicting probability of default used to inform loss provision allocation and collections strategy.
• Co-developed and optimized LevelFi, a lead generation tool for underserved borrowers and referral partner organizations.

Jan 2020 – Apr 2021 · 1 yr 3 mos

• Oversaw risk strategy for a $70MM small business loan portfolio, balancing credit quality goals with crisis-response innovation during COVID-19.
• Designed and implemented an automated deferment workflow to handle 700+ COVID-era hardship requests, reducing processing time by 85% and freeing operational capacity.
• Developed an underwriting risk model using Great Recession data in response to changing macroeconomic conditions and the organization's reduced risk tolerance.

Jan 2018 – Dec 2019 · 1 yr 11 mos

• Acted as credit risk SME for loan origination software, advising on decisioning logic, risk model integration, and automation of data-driven underwriting workflows.
• Supported digital transformation of LiftFund’s LOS, partnering with engineering and data science teams to integrate credit bureau, cash flow, and alternative data sources.
• Co-led design and launch of a loan product for returning borrowers, driving $4MM in originations and improving processing speed 5x while retaining 70+ customers.
• Underwrote SMB loans and provided mentorship to new credit analysts, bridging frontline underwriting with product and strategy.

Jul 2016 – Dec 2017 · 1 yr 5 mos

• Underwrote 40+ monthly small business loan applications (including SBA Micro and 7a programs) by evaluating financial statements, tax returns, bank statements, and credit data for funding requests up to $500K.
• Built foundational credit judgment skills across diverse industries and borrower profiles, informing later work in credit strategy and risk policy.

Mar 2015 – Jul 2016 · 1 yr 4 mos

• Promoted within three months to oversee compliance reporting for grants, investments, and debt covenants, building early experience with regulatory oversight and financial data management.

May 2013 – Dec 2013 · 7 mos · Lozano Long Institute of Latin American Studies

Jan 2013 – May 2013 · 4 mos · Austin, Texas

May 2010 – Aug 2010 · 3 mos · IC2 Institute