Credit Risk Strategy @ Ramp - RPS

• Promoted within US Card and recruited to lead horizontal modeling and strategic growth initiatives for Capital One Shopping’s growth marketing organization

• Engineered predictive models using Python and SQL, enhancing targeting precision and boosting user acquisition performance across digital channels

• Utilizing predictive model outputs, set investment frameworks & guardrails for marketing investment & business development opportunities

• Directed credit policy and acquisition strategy for New to Credit products, including Capital One’s flagship student card and no-FICO credit segments

• Engineered & refined advanced machine learning models to optimize underwriting structures and drive customer segmentation within underserved credit segments

• Delivered $XXM+ in annualized incremental NPV by applying risk modeling innovations and refining credit policies for enhanced acquisition efficiency

• Collaborated with Product, Marketing, and Credit Risk teams to embed model-driven insights into scalable decisioning systems

• Led marketplace platform rollout for Total Wine & More, managing project planning, software integration, and deployment, resulting in $11M incremental revenue

• Developed reporting suite for delivery business, utilizing Power Query, Google BigQuery, and Power BI to deliver business insights

• Optimized marketplace business performance for a $100M annual subset, focusing on forecasting, pricing, assortment, and operations

• Developed financial plans for Dresses/Suits department using SAS Merchandise Planning Software, contributing to a successful Monthly Forecast process.

• Managed permanent and promotional markdowns, optimizing product lifecycle and driving sales growth.

• Coordinated assortment planning process, utilizing hindsighting and future forecasting to drive strategic decision-making.

• Executed allocations for 290+ stores and E-Commerce, ensuring optimal inventory levels and maximizing sales opportunities.