Senior Manager Portfolio Risk resume example with 6+ years of experience

(555) 432-1000,
, , 100 Montgomery St. 10th Floor
Professional Summary

Results-driven Senior Manager with demonstrated knowledge of Consumer Credit Card Industry. Bringing 8+ years of experience in Acquisition & Portfolio strategy. Business acumen and analytical mindset to identify risk and revenue opportunities. Project management, leadership, consulting, problem solver and a team player. Pursuing new professional challenges with a growth-oriented company

  • Strong verbal and written communication skills in achieving effective relationships and motivating others
  • Excellent analysis and observation skills in order to ensure accuracy in credit risk analysis and reporting
  • Demonstrated experience in risk mitigation strategies and financial analysis
  • Analytic tools: SAS, SQL & R
  • Microsoft tools: Excel & Powerpoint
  • FICO Decision Tree Builder
University of Dayton Dayton, OH Expected in 05/2015 Master of Science : Electrical Engineering - GPA :
Jawaharlal Nehru Technological University Hyderabad, Telangana, India, Expected in 04/2012 Bachelor of Science : Electronics And Communication Engineering - GPA :
  • Independently developed and oversaw the execution of first ever Balance Transfer test strategy aimed at producing $1.2B in balances annually
  • Independently developed, implemented and managed the Pre-qual Acquisition strategy that produced 400K incremental accounts annually generating $35MM in balances
  • Successfully implemented custom fraud risk, email risk and phone risk scores in Consumer Digital (ITA) Acquisition strategies that reduced the 1st party/3rd party fraud dollars by $3.5MM annually
Work History
Amerihome Mortgage Company - Manager, Business Consulting
Houston, TX, 01/2022 - Current
  • Leading and Managing a team of professionals with diverse skills and backgrounds
  • Providing constructive feedback and coaching to team members, and fostering an innovative and inclusive, team-oriented work environment
  • Playing an active role in coaching and mentoring associates within the organization
  • Cultivating and maintaining client relationships
  • Demonstrating teamwork and responsibility with engagement team members, and staying abreast of industry trends relevant to client's business
  • Understanding our clients’ unique ambitions and needs and referring them to colleagues in other teams and areas to broaden our business relationships where possible
  • Developing technical capabilities in a wide range of subjects including Consumer Credit Card Strategy, Credit Review methodologies, capital planning, end-to-end capital adequacy processes and overall capital management strategies
Liberty Healthcare Corporation - Senior Manager, Credit Risk
Vista, CA, 01/2021 - 01/2022
  • Responsible for managing Bank's initiatives to strategically grow portfolio balance
  • Oversee development and execution of Credit Line Increase (CLI), Convenience check (CC), and Balance Transfer (BT) programs and strategies to meet and exceed company goals
  • Optimize underwriting strategies in response to customer behavior and ever changing market conditions
  • Make data-driven recommendations regarding potential strategy changes for Balance Growth programs to Executive Leadership
  • Subject matter expert regarding portfolio composition, loss rate calculation, forecasting, credit bureau attributes, P&L drivers, and portfolio scores
  • Lead team of 3 analysts in development, execution and monitoring of underwriting strategies
Bluestem Brands Inc. - Lead Analyst, Credit Risk
City, STATE, 10/2018 - 12/2020
  • Independently initiated, conducted, and managed complex credit risk projects, including project design, data collection, analysis, summarization, presentation of results and recommendations to Senior Management
  • Optimize the product-offering to our customers by improving the targeting, underwriting and fraud-risk
  • Oversee development of Digital, ITA (Invitation to Apply) Acquisition underwriting, initial line assignment, pricing strategy, fraud and identity verification strategies, manage the complex roll-out credit risk strategies
  • Work collaboratively with cross-functional partners including Marketing, Finance, IT, Operations and Compliance on developing solutions that deliver superior customer experience and meets stated business objectives
  • Lead team of 2 analysts in coaching and mentoring the business objectives
Bell Info Solutions - Senior Credit Risk Analyst
City, STATE, 09/2016 - 09/2018
  • Independently design, develop and implement new fraud and verification enhancement strategies aimed at tackling first payment defaults
  • Investigate additional benefits of alternative data sources, summarize findings, make credit policy/strategy recommendations, oversee the execution
  • Work with external data sources and third-party data providers to evaluate new scores, assist in development of new custom models
  • Automate and Optimize the performance of strategy monitoring reports using SAS/SQL and R
Company Name - Data Analyst
City, State, 05/2014 - 08/2016
  • Responsible for writing deployment/release notes, convert business requirements into technical documents, and prepare project process flow documentation
  • Performed ETL jobs to transfer/extract data across various platforms
  • Automate existing SAS jobs using SAS EG

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Resume Overview

School Attended

  • University of Dayton
  • Jawaharlal Nehru Technological University

Job Titles Held:

  • Manager, Business Consulting
  • Senior Manager, Credit Risk
  • Lead Analyst, Credit Risk
  • Senior Credit Risk Analyst
  • Data Analyst


  • Master of Science
  • Bachelor of Science

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