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Chief Risk Officer (CRO) Resume Example

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CHIEF RISK OFFICER (CRO)
Skills
  • PROFESSIONAL SUMMARY seasoned Risk Management Executive with more than 20 years of extensive hands on experience in traditional and under banked consumer market, FinTech, Startups, credit policies, underwriting. Primary focus on startups, nonbank lending, building and launching new product lines and in-depth understanding of Consumer market.
  • AREAS OF STRENGTH AND EXPERTISE
  • Credit Risk Management
  • Consumer and Commercial Lending
  • Primary focus on FinTech, Startups, Non- bank lending
  • Business Development
  • Consumer, Compliance and Reputational Risk
  • Project/Product Management
  • Team Building and resource management
  • Results Driven
  • Internal and external partnership focus
  • Team Oriented
  • Business growth and development
Experience
Chief Risk Officer (CRO)
August 2016 to Current
  • Managing all aspects of Risk, business development, operations and underwriting for several Specialty consumer lending portfolios, including Short Term Consumer Loans, online Lease to Own, Franchise financing, Auto Leasing, Consumer Lending and more.
  • In the first year expanded portfolio size from 25,000 booked loans to 90,000+ with lent amount increased by more than 300% within the same time.
  • Built three different portfolios and platforms from ground up.
  • Including infrastructure, market projections, data providers, risk and credit policies and portfolio management guidelines.
  • Handled and launched all Data and Product Vendor Management aspects.
  • Portfolio monitoring, review, analysis and enhancements.
  • Automation, building and re-training credit risk models and implementation.
  • LOS (Loan Origination System) and LMS (Loan Management System) day to day operations, management, enhancement and replacement based on business needs.
  • Hiring, training, building and launching a full Loan Processing team.
  • Management of full Operational Risk, Analytics, Modelling and business development teams Lexis Nexis, a Reed Elsevier Company.
July 2016 to August 2017Sky Financial Group － Miami, FL
Sr Vertical Solutions Consultant
April 2012 to Current
  • Current SME and key professional services consultant for credit risk management, marketing and analysis, including all aspects of consumer and commercial lending.
  • Increased Credit Risk Product portfolio from 9 Million to 49 Million within a 6 years timeframe.
  • Work with sales and business development teams within US and abroad for all new business development, credit risk, marketing, infrastructure and lending functions, with extensive hands-on lending experience.
  • Support sales in pre and post sales processes, exceeding departmental and company sales goals every year for more than 5 years.
  • Serve as project manager for all new projects for new Credit Risk sales and integration, use case definition, business growth, market expansion and business development opportunities, and worked on product road maps for meeting future customer growth needs.
  • Act as integration expert for financial Credit Risk Market, and critical sales stages.
  • Identified strategic opportunities to be addressed for market expansion and growth.
  • Devised an Integration strategy and blue print for deployment early in the growth process for quick deployment and quick wins.
  • Devised and implemented new strategies for new accounts acquisition, data delivery and processing, increased automation, on-boarding & market penetration resulting in new client on-boarding time reduction of 50% and sales increase of 130%.
  • Work with customer, analytics and data teams to identify key analytical findings and synthesize key statistical observations into actionable items.
  • Implement those items for quick impact for sales.
  • Collaborate with both internal and external partners on daily basis via phone and onsite presence providing subject expertise on business development, all credit risk and credit marketing related activities, new and expanded use cases and navigation of ERM/Risk and compliance issues.
June 2009 to July 2016Boca Raton, FL
Sr Strategic Solutions Consultant
June 2009 to April 2012
  • Worked with scoring and analytics teams supporting enterprise, strategic sales, cross market sales and inside sales teams.
  • Supported all ID, fraud, credit risk, consumer and commercial lending and business products.
  • Engaged with internal and external customers and acted as the SME (Subject Management Expert) for all scoring products including credit risk, new accounts acquisition, marketing, fraud, ID verification, business development and product implementation for consumer and commercial projects.
  • Provided focus on strategic importance of having a 'sound and comprehensive' integration strategy for growth and delivery of new products.
  • Worked with customers on understanding their business needs and converted analytic results into actionable findings and presented those to the customers for value impacts.
  • Worked with clients to build financial platforms and implement processes and products for business growth.
Director of Business Development
November 2006 to February 2009CRIF Decision Systems － Gilroy, CA
  • Product Integration and Professional Services for America's.
  • Built a Consulting Team (in North America) to work with new and existing customers in the areas of ERM, Business Growth, Legal and Compliance, Consumer and Commercial Risk Management, Fraud, Product Development, Marketing, Technology/Business Systems, Application Processing and Business Development.
  • Created a common data acquisition and distribution platform, and business solution for International data providers and European/South American data sources.
  • Working with Italian and European counterparts, streamlined business data delivery processes and implemented/merged cross company systems for unique integration challenges.
  • Developed technology and data solutions for Mexican Financial Market, with specific focus on legal aspects of a multi bureau environment.
  • While working remotely, consulted with clients on industry standards, FCRA, DPPA, GLBA guidelines and other regulatory changes.
Director
June 2003 to November 2006HSBC Card Services － Salinas, CA
  • Risk Management (Infrastructure and Technology Platforms).
  • Managed multiple teams of credit risk and technology managers, senior credit risk analysts and risk Analysts to support card services application processing and decision engine platforms for more than 15 Card Services portfolios.
  • Worked with all portfolio marketing, credit risk, operations and collections teams to continue to have a 360degree view of the business with focus on loss reduction and efficiency enhancement.
  • While managing underwriting & portfolio management technology environments, developed a completely internet-based fully automated application and decision process that added more than 500K new applications per month.
  • Implemented strategic initiatives and new technology and infrastructure platforms providing more than 25 million dollars in additional sales.
  • Development of third party decision solutions for prescreen of one environment, and implemented second look programs, partnership programs and business development and enhancements across portfolios.
Business and Product Manager
September 1998 to May 2004Magnum Communications, Limited － Atlanta, GA
  • Built and managed a team of business consultants to provide Magnum clients with hands on support, implementation, consulting and training services.
  • Consulted with Magnum clients on the deployment and successful implementation of the new RapUP® product and successfully managed the execution of all Y2K projects for Magnum clients.
  • Increased company's profitability by developing, implementing and streamlining existing procedures in consulting, training, estimation and project implementation, saving the company 30% on operating expenses.
Education and Training
MBAAzam University － Islamabad, Pakistan
Bachelors : Economics, 1991Government College － Islamabad, PakistanEconomics
Skills
Automation, business development, business solution, Business Systems, Commercial Lending, consultant, Consulting, credit, Credit Risk, client, clients, data acquisition, delivery, financing, Financial, focus, Hiring, inside sales, Italian, Team Building, legal, Legal and Compliance, Lexis Nexis, Loan Origination, Loan Processing, Managing, marketing and analysis, marketing, Market, market sales, enterprise, navigation, new business development, policies, processes, Product Development, Product Management, quick, Risk Management, sales, sound, strategy, strategic, phone, underwriting, unique, Vendor Management, view, Y2K
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Resume Overview

Companies Worked For:

  • Sky Financial Group
  • CRIF Decision Systems
  • HSBC Card Services
  • Magnum Communications, Limited

School Attended

  • Azam University
  • Government College

Job Titles Held:

  • Chief Risk Officer (CRO)
  • Sr Vertical Solutions Consultant
  • Sr Strategic Solutions Consultant
  • Director of Business Development
  • Director
  • Business and Product Manager

Degrees

  • MBA
    Bachelors : Economics , 1991

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