Sep 2021 – Jun 2025 · 3 yrs 9 mos

May 2017 – Sep 2021 · 4 yrs 4 mos

• Responsible for bank’s physical distribution strategy (ATM’s, Branches, Cafes) with $700M in annual op ex
• Lead three teams (Market Strategy, Analytics & Valuations, and Geospatial Intelligence), consisting of 15 associates (Business Analysts, Data Scientists, Data Analysts, GIS Specialists, Project Manager, Real Estate Brokers)
• Lead annual board process which articulated our business unit’s story and vision to the CEO & board
• Spearheaded the Destination Network initiative which sets the 10-year vision for our real estate network
• Accountable for branch consolidation program since 2017, driving a 57% reduction in our branch network which resulted in $280M in annual Op Ex savings, and required complex stakeholder alignment across 13 different teams
• Responsible for retail branch staffing models and proposed potential cost optimization levers including part time staffing, branch operating hour adjustments, staffing efficiency models based on peak demand, and transaction migration initiatives
• Navigate through heavily regulated environments by directly interacting with OCC
• Lead development of python based real estate optimizer which leveraged customer data, GIS analytics, random forest regression model, and historical branch financials to generate the NIBT optimal branch network
• Drove Manhattan Project which transformed the Manhattan market with unique café-oriented experiences and is forecasted to yield $33M in annual op ex savings and 5-year incremental profit of $78M
• Lead Capital One’s enterprise GIS team which is focused on bringing geospatial capabilities to the enterprise with data products (GIS Datawarehouse, mobile data, geographic segmentation) and tools (Network Optimizer, Trade Areas, Geographic Footprints, Market Segmentation, Block Group Test vs Control Module)

Jan 2016 – May 2017 · 1 yr 4 mos

• Accountable for ensuring retail branch network hits its annual operating expense targets
• Develop financial forecasting model in python which is able to optimize branch network and propose scenarios that maximize NIBT by leveraging customer data, GIS analytics, random forest regression model, and historical branch financials.
• Model forecasts branch based revenue (Deposits NIM, Non-Interest Income), operating expense (staffing, occupancy costs, ATM expense, real estate costs), non-recurring expenses (restructuring charges, cap ex)
• Create valuation tools which enable field experts to assess financial impacts of closures, new builds, and renovations within their markets in real time.
• Developing framework for forecasting future branch transaction and staffing levels
• Manage time and expectations by leveraging AGILE principles and best practices and consistently delivering high quality outputs within sprint timelines

May 2014 – Jan 2016 · 1 yr 8 mos

• Valuations lead for the retail bank transformation project which focuses on drastically improving cost efficiency of the entire bank network (~800 branches).
• Built valuation model responsible for valuing all actions which impact Capital One's branch network from consolidations, to renovations, to new builds
• Selected as "Star of Network Management" in 2014 for shortening our financial reporting process from 4 weeks to 2 days.
• Developed strategic framework for transforming our current physical branch network and coordinated with GIS team to develop micromarket segmentation approach which will be leveraged across all retail bank data analysis teams.
• Support the retail bank's consolidation program (over $100 M in annual operating expense savings) by projecting operating expense savings, deposits loss, and exit costs.

Apr 2011 – Apr 2014 · 3 yrs

• Project lead for S&P Global Market Intelligence's new Asian and European Mergers & Acquisitions data products
• Managed 24 analysts based in the Philippines, India, and Pakistan responsible for collecting M&A data
• Projected M&A activity in Europe and Asia using multiple regression analysis
• Created a model which projected analyst throughput and completion dates for the Asian and European expansion projects
• Created dynamic data reports which provided stakeholders with easily digestible information regarding the status of projects and analyst development
• Utilized data profiling to create an excel template which proactively identified potential analyst errors
• Identified ways to improve our product’s comprehensiveness and accuracy by regularly conducting audits and performing root cause analysis
• Lead training presentations on our data collection methodologies and various M&A topics