Atlanta Metropolitan Area
Experienced credit risk professional with expertise in decision management, analytics, customer management, fraud and collections strategies during both stable and challenging economic conditions. Global experience with top tier financial institutions in the design of innovative solutions and approaches to maximize portfolio profitability and enhance customer experience. She possesses critical competencies in client engagement, project management, multi-project management and time management, as well as effective communication among internal stakeholders and customers. Specialties: Decision management, Decision automation, Platform management/conversions, Business rules, Enterprise risk management, Credit risk management, Data modeling, Forecasting, Predictive analytics, Operational management, Decision optimization, Credit policy implementation, First party bust-out fraud strategy, Customer management, TRIAD, Adaptive Control system (ACS), TSYS and Fiserv processor systems.
More than 19 years Credit Card/Consumer Loan Risk Management experience, including business consulting at FICO servicing various financial institutions in North America and Asia. She and her fellow FICO consultants provide strategic advisory consulting in credit card and consumer loan life-cycle risk management strategy development, predictive model validation, consumer lending portfolio review, credit policy implementation, platform/system conversion and update. Her work is aimed at assisting clients in achieving their business objectives and optimizing their system/resource potential while addressing all the compliance requirements.
Established and effectively managed three teams: Assets Quality Reporting and Risk Forecasting, Predictive Modeling and Adaptive Control Strategy Development and Operation; Played a critical role in Credit Card/Consumer Loan leadership committee, primarily responsble for portfolio risk parameters in marketing and operations; An active leader in establishing Credit Card data warehouse and selecting data mining and reporting tools; Responsible for all production account managment strategies including credit line management, delinquent and overlimit collection, reissue strategy, overlimit authorizaiton strategy and risk-based repricing strategy devevelopment, implemetation and trackcing.
Worked at the headquarter office of Export Insurance Department as an assistance Economist. Mainly responsible for drafting Export Insurance guidance and policy, and assisting local branches in obtaining overseas buyer's credit information.