# Rives Fleming

> Risk @ Ramp | UVA MSBA ‘22

Location: New York, New York, United States
Profile: https://flows.cv/rives

Rives is a driven and analytical business strategist at Capital One with experience spanning credit analytics, data science, and strategic modeling. He has worked in both the U.S. Card and Capital One Shopping organizations, leading high-impact initiatives across customer acquisition, credit policy, and marketing investments.

At Capital One Shopping, Rives leads customer lifetime value (CLV) modeling, applying predictive analytics to guide growth marketing investment strategies. His work helps optimize long-term customer engagement and business value. Previously, on the New to Credit team in U.S. Card, he conducted user acquisition analysis using Python and SQL, driving credit policy improvements for the student card portfolio and underserved populations.

Before joining Capital One, Rives earned a Master’s in Business Analytics from the University of Virginia. There, he gained hands-on experience in AI and machine learning, while grounding technical work in practical business outcomes. His program culminated in a strategy consulting project that developed an ML-powered prediction tool for a national general contractor.

While completing his graduate degree, Rives worked at Total Wine & More, leading integration with marketplace delivery platforms like Uber, DoorDash, and Instacart. He began his corporate career at Belk in Charlotte, NC, as part of a graduate development program in merchandise planning and analysis. He holds a bachelor’s degree from Elon University.

Originally from Richmond, VA, Rives now lives in New York, NY. He is passionate about using data to solve complex problems and working alongside talented, mission-driven teammates.

## Work Experience
### Credit Risk Associate @ Ramp
Jan 2025 – Present | New York, United States
Credit Risk Strategy @ Ramp - RPS

### Business Manager @ Capital One
Jan 2024 – Jan 2025 | New York, United States
• 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

### Senior Business Analyst @ Capital One
Jan 2022 – Jan 2024 | New York, New York, United States
• 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

### Omnichannel Retail Analyst @ Total Wine & More
Jan 2020 – Jan 2022 | Bethesda, Maryland, United States
• 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

### Senior Inventory Analyst @ Belk
Jan 2020 – Jan 2020 | Charlotte, North Carolina Area
• 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.

### Inventory Analyst @ Belk
Jan 2018 – Jan 2020 | Charlotte, North Carolina
• Executed all associated allocations for initial buy, delayed allocations, and re-flow orders for 290+ stores and E-Commerce.
• Analyzed current sales trends, inventory levels, and past selling history to develop distribution strategies.
• Developed seasonal and annual size profiles based on appropriate size strategies and analysis.

### Business Analyst Intern @ MoneyGuidePro® (PIEtech, Inc.)
Jan 2017 – Jan 2017 | Richmond, Virginia
• Gained an in-depth understanding of the various software PIEtech develops (MoneyGuidePro, MyMoneyGuide, etc.)
• Created stand-alone Social Security Calculator with fellow interns
• Trained in relevant programs to the business analyst position

### Tutor @ America Reads
Jan 2014 – Jan 2016 | Elon, NC
-Tutored elementary students in reading and math proficiency
-Ages ranged from Pre-K to 6th grade at different sites
-Tutored at several school/after school programs around the Greater Greensboro/Burlington area


## Education
### Master of Science - MS Business Analytics
University of Virginia Darden School of Business

### Management in Business Analytics, Accounting, Finance
Elon University

### Collegiate School


## Contact & Social
- LinkedIn: https://linkedin.com/in/rivesfleming

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Source: https://flows.cv/rives
JSON Resume: https://flows.cv/rives/resume.json
Last updated: 2026-04-07