brings more than 25 years of experience working for global leaders in the financial services industry, such as American Express, Mastercard, Citibank, and Argus Advisory Services (a TransUnion company). His background includes managing data analytic projects, credit risk management, lending portfolio management, partner relationships, and driving strategic initiatives across lenders, processors, and technology providers. Throughout his career, he led portfolio analytic engagements that optimized lending profitability, mitigated portfolio risk, improved customer engagement, established risk appetite frameworks and underwriting criteria, and built MIS reporting solutions. This experience enables him to bring a unique perspective to enhance your company’s capabilities and drive profitable growth.

has a proven track record of delivering advanced machine learning models for major financial institutions, most notably as Senior Director of Banking and Lending Analytics at Equifax. At Toyota Financial Services, he spearheaded the development of customer loyalty analytics frameworks and predictive modeling while implementing enterprise-wide KPI tracking systems that achieved measurable results. His expertise spans machine learning, financial modeling, experimental design, and pricing optimization. This rare blend of technical depth and cross-industry experience empowers our team to transform raw data into actionable insights that drive revenue growth and secure a competitive edge.

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brings elite experience from Goldman Sachs, TransUnion, USAA, and Iberiabank, with unparalleled exposure to extensive financial bureau data that fuels exceptional risk analysis. Leveraging comprehensive bureau data sets, they develop superior risk models and insights, including sophisticated stress test models for credit card and auto loan portfolios that accurately predict performance under adverse conditions. Their published research in machine learning and statistical methods, specifically applied to financial contexts, further underscores their expertise. With a proven track record of translating complex financial data into actionable risk assessments that drive business decisions, our team demonstrates quantitative modeling excellence and deep industry knowledge.

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