• Develop verification strategies for loan products in acquisition to optimize profitability, improve revenue, minimize credit losses, and improve customer lifetime value. • Build new decisioning infrastructure leveraging external and internal data to advance segmentation techniques and predictive models for consumer lending programs such as identity, income and employment verification. • Design champion/challenger tests and monitoring and evaluate test results and recommend credit policy changes. • Develop benchmarking analysis and quantitative optimization frameworks for portfolio assessment including evaluation of credit risk, financial performance, and P&Ls. • Analyze credit strategies performance and credit score effectiveness, MIS, and performance trends. • Communicate performance strategies evaluation to stakeholders, senior management, and regulators. • Maintain overall risk and return targets for investors particularly in a changing economic environment. • Lead a team of analysts and partner with Decision Science, Marketing, Finance, Operations, Technology, Compliance, Legal, and other functional teams to achieve credit strategy goals.