Amy Tantchou

• Lead the implementation of new valuation models, coordinating cross-functional collaboration, and overseeing the design of model driven credit policy with $1 Billion incremental exposure and over $250 Million incremental Net Present Value (NPV)
• Lead development, validation, and enhancement of credit risk models using advanced statistical and machine learning techniques for decisioning across multiple lines of business
• Build, mentor, and lead a high-performing team of data scientists, analysts, and engineers to deliver cutting-edge machine learning models and strategies
• Collaborate with senior management and cross-functional teams to develop credit risk strategies
• Utilize data-driven insights to inform lending decisions and pricing strategies
• Leverage a broad stack of technologies, including Python, AWS, Spark and R to deliver innovative solutions for credit card and banking products
• Convey data insights and strategic recommendations to senior management and key stakeholders.

• Led a team of data scientists and predictive risk management analysts in driving business strategies through the creation, development, validation, and implementation of risk scoring models
• Used advanced modeling, and statistical techniques and tools (SAS, Python and Knowledge Seeker) to develop and maintain credit risk, pricing, and fraud models as well as analytical strategies that will optimize lending decisions across channels
• Conducted evaluation of new statistical approaches and enhanced segmentation to optimize approval and assignment strategies
• Supported portfolio analytics for marketing and collections strategies
• Designed tests and champion/challenger strategies to continuously evaluate new opportunities to improve volume/credit risk trade-offs
• Developed recommendations/Strategies aimed at improving portfolio credit performance and profitability
• Briefed C-Suite and senior executive team on the impact of new scores and strategies on the company’s performance.

• Worked with business consultants and clients on the formulation of new modeling solutions across the financial services vertical
• Executed and managed analytical projects, providing innovative analytical solutions for customers within vertical market
• Built custom acquisition models and Validated consumer credit risk models
• Used credit file and alternative data sources to perform wallet share analysis
• Analyzed clients’ lending portfolio to identify volumes, score shifts, volume shifts by products, like HELOC, HELOAN, Bankcards, and Auto
• Led a team of statisticians offshore in the Financial Vertical Analytics group.

Senior Statistician (2013-2015)

• Developed client rating systems based on predictive modeling to evaluate the financial strength and future performance of prospective or existing clients
• Created client credit platforms that assign a credit matrix to each rating system based on risk exposure and revenue potential to minimize loss while maximizing revenue
• Supported business development through creation of client marketing strategies based on delinquency analysis and credit utilization ratio.

Statistician (2011-2013)

• Developed, validated, and implemented client underwriting models to predict the creditworthiness/risk of clients and consumers
• Designed, validated, and implemented forecasting models to enhance portfolio management strategies
• Conducted data mining and analysis to provide valuable insights of client portfolio performance trends, enhancing business decisions.

• Taught Statistics courses to undergraduate students, which included probability and distribution of random variables, descriptive statistics, estimation and hypothesis test for means and proportions, regression and correlation, and inference.