May 2021 – Mar 2024 · 2 yrs 10 mos

• Lead Credit Risk, Fraud Management, Collections Strategy, Data Science, and Information Security at Avant. Enhanced credit risk management, boosted collections performance and profitability (>$10M annually) amidst challenging macroeconomic conditions despite system limitations. Overhauled the fraud prevention and detection strategies to reduce fraud losses by over 80% from 2022 to 2023.

Aug 2019 – May 2021 · 1 yr 9 mos

• Own the P&L for personal loans and credit card businesses. Oversee marketing, business development, product development, pricing strategy, and customer onboarding to ensure the seamless functioning and strategic growth of the businesses. Oversaw a 3x increase in acquisitions on the credit card product. Turned the personal loans business profitable while growing acquisitions 20% yoy.

Mar 2018 – Aug 2019 · 1 yr 5 mos

• Own the P&L for personal loans and credit card businesses. Oversee marketing, business development, product development, pricing strategy, and customer onboarding to ensure the seamless functioning and strategic growth of the businesses.

Aug 2016 – Mar 2018 · 1 yr 7 mos

• Manage Underwriting, Portfolio Management, and Collections strategy for the personal loans business. Rebuilt underwriting strategy by bringing in alternative credit bureau data and in-house application data to holistically identify credit risk. Reduced credit losses by >10% while keeping approval rates flat. Implemented loss mitigation toolkit for loan product. Optimized strategy to maximize NPV. Reduced losses by 15%.
• Lead the data science and ML engineering teams to drive innovation across Avant, enhance performance and fuel growth. Expanded the use of ML models across the entire customer journey for personal loans from onboarding to payoff.

Jul 2014 – Aug 2016 · 2 yrs 1 mo

• Responsible for driving data-driven decisioning and modeling initiatives, transforming data into a competitive advantage across all functional areas at Avant. Devised the go-to-market strategy and launched machine learning models in production for underwriting. Engineered revenue-generating operational enhancements, including a proprietary algorithm for automated income calculation from bank statements. Achieved a 20% increase in application conversion, without taking on additional credit risk.

Oct 2013 – Dec 2013 · 2 mos

• Teaching Assistant for Microeconomics

Jun 2013 – Aug 2013 · 2 mos · Greater Chicago Area

• Developed a customer targeting strategy by conducting predictive analysis on the conversion and retention rates of existing customers and evaluating product usage statistics in R. Identified key customer segments and recommended strategies to target them.

Jan 2011 – May 2012 · 1 yr 4 mos

• Modeled new products, analyzed risks and developed applications that supported the portfolio investment process
• Co-led the effort to overhaul existing risk reporting and designed new risk metrics to incorporate PIMCO’s forward looking economic forecasts, leading to the creation of 15+ new risk metrics used daily to monitor risk across $1.3T of assets

Aug 2007 – Dec 2010 · 3 yrs 4 mos

• Co-developed a trade allocation engine used across 500+ portfolios daily to assign trades.
• Led team of six to remodel daily calculation and aggregation of security risks in all portfolios. Reduced computation time by 60%
• Extensively used Excel, SQL and MATLAB to analyze financial securities data and develop proprietary models.