Jeremy Davis

Generative AI Leadership: Led product and engineering delivery for cutting-edge Data Assistant application and other Generative AI applications, ensuring seamless coordination across teams and driving projects from concept to reality. Pioneered development and launch of Data Assistant application which will significantly enhance data accessibility and analytical capabilities organization-wide.

Cross-Functional Team Management: Steered cross-functional teams through entire product development lifecycle, instilling culture of innovation, agility, and customer-centricity. Established robust roadmap and vision for Generative AI initiatives, cultivating portfolio of applications that propel operational efficiencies and decision-making insights.

Engineering Culture and Stakeholder Engagement: Nurtured high-caliber engineering culture focused on continuous learning, collaboration, and technical excellence. Engaged with key stakeholders, aligning technological strategies with business objectives. Fostered partnerships with external AI/ML communities and academia to stay ahead of technological curve.

Enterprise Data Strategy Leadership: Drove Enterprise Data Strategy and modern tool/tech adoption including AWS, Databricks, Snowflake, and Spark to support Enterprise Analytics Platform. Actively led technology conversation, embracing and incubating open source and emerging technologies. Set strategic direction for 30+ teams of 250+ engineers.

Management and Budget Oversight: Oversaw, coached, and guided directors, managers, architects, technical writers, and development verticals to deliver robust, scalable, and fault-tolerant full-stack applications. Managed project and baseline budget of $40 million, applying product mindset with business partners to identify funding opportunities.

Software Engineering Excellence: Developed exceptional software engineering practices and delivery by recruiting, motivating, mentoring, and leading top application engineering talent. Key driver to transition organization from loose SDLC to culture centered around full-cycle and site reliability engineering.

Innovative Frameworks and Efficiency Improvements: Architected frameworks and models for machine learning implementation, rapid web application delivery, and fully-automated continuous deployment. Led team to implement these across 30+ teams, reducing data delivery latency from 45 days to real-time and near real-time for curated data, improving data quality, reducing support costs by 80%, and reducing errors and incidents by more than 95%.

Digital Transformation Leadership: Directed comprehensive digital transformation initiatives across online lending operations, enhancing customer acquisition, retention, and digital channel management. Spearheaded platform development and core operations, integrating major system upgrades such as cloud-based VOIP, real-time voice sentiment and tone analysis, and multi-system integration for seamless operational efficiency.

Innovative Machine Learning Applications: Pioneered development and implementation of advanced real-time ML models to transform business operations, including:

• Credit scoring model for non-prime individuals, reducing default rates by 20%.
• Hyper-personalization engine leveraging customer segmentation to enhance user experience.
• Digital channel optimization model dynamically adjusting lead generation, PPC, placement, social media, and referral strategies.
• Collection strategy model, utilizing real-time scoring to tailor communication plans, decreasing delinquency rates by over 15%.

Operational Excellence and Automation: Achieved 90% increase in per-agent efficiency through strategic process improvements, automation, and effective vendor management. Instituted automated process for managing over 2,000 brick-and-mortar locations' local business listings with up-to-date metadata, significantly enhancing local online presence.

Contact Center Transformation: Led development of in-house contact center, transitioning from vendor reliance to internal solution that improved customer service and reduced operational expenses by $1.5 million in first year. Managed vendor identification, negotiation, and successful implementation of in-house contact center telephony solution, incorporating personalized IVR routing to enhance customer interaction.

Data-Driven Strategy and Reporting: Developed comprehensive operational metrics reporting using SQL Server, Pentaho, Domo, and proprietary tools. Implemented template and data-driven site development process, ensuring data accuracy and reducing turnaround time, contributing to strong financial performance even under challenging economic conditions.

Financial Performance and Risk Management: Delivered robust financial performance by executing prudent risk management strategies across all business operations. Increased collections rates by over 250% year-over-year through meticulously planned collection treatment and communication strategy, underpinned by real-time analytics.

Loan Product Innovation: Directed development and implementation of two new loan products, tailoring offerings to meet market demand and drive revenue growth.

Risk-Based Scoring Model Design: Designed and implemented risk-based scoring model for uniform underwriting processes, increasing approval rates and decreasing loss rates, demonstrating expertise in predictive analytics and risk management.

Automated Courtesy Call Solution: Established automated courtesy call solution, saving over $250,000 annually by decreasing employee work time by more than 12.5 percent, showcasing ability to leverage automation for cost savings and efficiency.

Near Shore Call Center Implementation: Implemented near shore call center solution to consolidate all collection activities, enhancing operational efficiency and customer service quality.

Electronic Payment Method Integration: Directed and controlled establishment of electronic payment methods for call center operations, streamlining payment processes and improving transaction security.

Distributed Platform Data Integrity Innovation: Innovated solution to address critical issue of data entry loss in store due to network drops after migration to distributed customer management platform. Developed robust data synchronization and recovery mechanisms, ensuring zero data loss and uninterrupted operation across distributed environments, highlighting technical acumen and ability to solve complex engineering problems.

Led Digital Transformation Initiatives: Spearheaded development and expansion of four digital lending platforms, two account management websites, and comprehensive debt collection portal, managing over 38 million loan applications, facilitating 6.5 million new loan originations, and processing 120 million transactions annually. Directed major digital transformation effort, enhancing operational efficiency and customer experience through adoption of cloud-based VOIP technologies, including Five9, InContact, and Nice.

Advanced Data Management and Analytics: Chaired implementation of sophisticated data warehouse, overseeing data governance committee to ensure data integrity and accessibility. Applied advanced statistical analyses, including multiple regression, to develop daily cash flow model, optimizing collection efforts and financial forecasting. Pioneered use of real-time machine learning (ML) models to revolutionize credit scoring for non-prime individuals, slashing default rates by 35%, and to refine collection strategies, cutting delinquency rates by over 20%.

Innovative Underwriting and Operational Improvements: Reengineered underwriting process by integrating risk-based model, achieving 15 percentage point improvement in approval-to-loss ratio. Initiated comprehensive rebuild of transactional databases, standardizing data structures to support scalability and operational agility.

Electronic Payment Systems and Budget Management: Architected deployment of advanced electronic payment systems, overseeing disbursement of over $400 million in loans and recovery of over $600 million in payments. Orchestrated strategic allocation of $12 million annual operating budget to support technology-driven initiatives.

Business Development and Industry Engagement: Drove business growth through proactive engagement in industry trade shows and development of strategic communication channels with potential clients. Utilized innovative digital platforms and technologies to establish market leadership and foster new business opportunities.

Data Model and Business Intelligence Optimization: Developed and unified data models across multiple transactional databases, reducing report design and deployment time by 75% for Business Intelligence team. Utilized SQL Server Analysis Services to create OLAP cubes, reducing server load and shortening report response times for executives.

Agile and Scrum Process Enhancement: Implemented and improved scrum and agile processes, demonstrating outstanding project planning, execution, monitoring, and resource balancing skills with ability to support multiple simultaneous projects in matrix organizational structure.

Software Development and IT Infrastructure Management: Coordinated user acceptance testing of software development deliverables and IT infrastructure, ensuring successful production turnover approvals from business units. Architected queries, stored procedures, and parameter-driven reports to automate business functions.

Operational Excellence and Vendor Management: Managed Premium Audit and PayGo departments and served as Operations Project Manager for new enterprise accounting system implementation. Negotiated with vendors to procure new inventory management system, decreasing annual department costs by $500,000 in first year with projections of increased savings.

Business Process Improvement and Personnel Management: Introduced business process analysis and lean process improvement methodologies, streamlining workflows and managing 20+ personnel. Spearheaded PEO program that increased portfolio by additional 300%.

Technology Development and Customer Experience Enhancement: Re-architected proprietary system to improve stability and simplify user experience. Implemented online customer portal, file transfer process, and proprietary file format, along with recurring ACH debits and multiple automated processes, doubling existing portfolio within eight months.

Leadership in Program Management: In command of program management, overseeing all facets of policy lifecycle, including personnel management, processing, customer service functions, marketing, technology development, reporting, and project management.

Business Intelligence and Data Modeling: Assisted Business Intelligence team in creation of data models and implementation of Report Builder 2.0. Served as certified Power User of Report Builder, providing training, coaching, and support to other users and departments.

Process Efficiency and Team Development: Increased efficiencies over 150% through team and process development, utilizing PMBOK guidelines to develop Project Management methods and practices.

Customer Satisfaction and Process Transformation: Transformed processes to enhance customer-friendliness, contributing to increase in overall customer satisfaction rate to 98%. Organized information systems and personnel files to eliminate redundancy and decrease server space.

Collaboration and Continuous Improvement: Active member of Information Architecture Team, orchestrating implementation of Microsoft Office SharePoint Server 2007. Championed continuous improvement efforts, promoting best practices for processes, tools, and technologies.

Conflict Resolution and Organizational Efficiency: Resolved conflicts among team members promptly to maintain harmonious working environment. Maintained clean and well-organized production areas to avoid violations and work delays.