Joshua Giebel
Jacksonville,FL
Summary
Strategic financial services leader with 15+ years of experience in credit risk, pricing, and product strategy, specializing in full spectrum lending including near-prime, sub-prime and pass through auto programs. 10 years of leadership experience ithin the industry. Skilled in developing credit policies, underwriting criteria, and pricing structure that enhance portfolio performance and investor returns. Proficient in advanced analytics using SQL, SAS and Excel to drive data-driven decision-making. Experienced in influencing senior stakeholders, presenting strategic recommendations, and leading cross-functional initiatives across product, marketing, funding and pricing. Adept at building and mentoring high-performing teams while fostering a culture of ownership, innovation and continuous learning. Thrives in a fast-paced, high-growth environment with strong focus on results and customer impacts.
Overview
2027
2027
years of professional experience
Work History
Director of Consumer Lending
USAA Federal Savings Bank
Jacksonville
08.2021 - Current
- Champion product, pricing, and portfolio optimization across Auto, Unsecured, Other Secured (Boat, RV, Motorcycle, and Leisure Vehicle).
- Led cross-functional partnerships with a focus on production and revenue generation via pricing elasticity and profit maximization across nearly 5,000 pricing cells to maximise revenue and portfolio growth in line with credit strategy.
- Streamlined Auto underwriting and funding operational efficiencies while minimizing fraud, minimizing consumer friction and maximizing pull through and profitability.
- Increased annual revenue by $100MM through credit strategy changes in response to a reduced unemployment rate, halting the pandemic playbook as the environment stabilized and required an alternate risk and operations approach. Balanced risk-to-reward and earned a solid reputation with first- and second-line credit risk and compliance partners.
- Grew Auto applications by 25% and improved pull-through 3%—yielding 1,900 additional loans per week— via strategic pricing modifications across the consumer loan portfolio to improve competitiveness.
- Developed comprehensive Auto Ecosystem and fully integrated shopping experience by onboarding Cox Automotive, Carmax, Hertz and additional industry vendors.
- Reduced stips by 90% while increasing approval rate via automation strategies in partnership with Operations and Fraud.
- Created and launched a follow-up prioritization model for outbound sales team that increased efficiency by nearly 40% while increasing capture rates and Member Satisfaction.
- Shaped current and future credit strategy including risk appetite framework and tolerance by dynamically controlling the buy box leveraging historical data, portfolio performance and market and economic triggers.
- Stood up multiple industry leading vendor relationships to ensuring comprehensive risk and compliance controls with maximum accountability and enabling agile business change management across consumer lending products.
Advanced Analytics & Reporting Manager - Auto
Ally Financial
Charlotte, NC
01.2019 - 08.2021
- Oversaw full reporting suite for all day to day credit, underwriting, origination and operational reporting for Auto Portfolio
- Fulfilled analytical requests in support of strategy updates and proposals with focus on credit optimization.
- Partnered directly with business line for all product changes with a focus on underwriter processes and efficiency and capacity planning and management.
- Managed underwriting financial targets using data driven analysis, business plans and market data.
- Developed and maintained reporting to provide oversight and monitoring of all functions within the business.
Credit Policy Risk Manager - Auto
Ally Financial
Charlotte, NC
01.2018 - 01.2019
- Collaborate with business and matrix partners to make organizational, product and program changes that meet the spirit of Ally’s LEAD culture and business plan objectives.
- Provide in-depth end to end analysis of multi-billion dollar proposed changes and updates to current auto policies and procedures.
- Oversaw Decision Engine/LOS interface updates and additions as well as parallel testing, load balancing and post implementation quality assurance exercises.
- Ensure adherence to the established risk appetite while investigating the aggregate effects of all changes.
- Participate in post-mortem reviews to ensure pre-implementation estimates are in line with actual and recognized impacts to Ally’s portfolio including originations, losses and broader influence within the day-to-day operations and the relationships with our dealer customers.
- Constant focus towards mitigating all unnecessary reputation and operational risks.
Senior Product & Acquisitions Analyst- Auto
Ally Financial
Charlotte, NC
2015 - 01.2018
- Partnered closely with operational leadership within Credit and CPC to provide comprehensive support through data management, daily/weekly/monthly reporting and ad-hoc analysis for both current and proposed business strategies.
- Analyzed product performance metrics to drive strategic decision-making and enhance financial outcomes.
- Robust focus on developing sound foundational baselines and understanding for future initiatives while establishing accurate impacts to both the portfolio and the front-line business operations.
- Received 2017 LEAD award recognizing exemplary performance, leadership and character.
- Met and exceeded volume, RAS and originations goals on a consistent basis by focusing on sound decision making while strengthening internal and external relationships.
Lead Consumer Loan Underwriter
Wells Fargo Bank, NA
Charlotte, NC
01.2012 - 01.2015
Banking Specialist
Wells Fargo Bank, NA
01.2010 - 01.2012
Education
Arizona State University
Tempe, AZ01.2005
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University of Wisconsin - Milwaukee
01.2003
Skills
- Strong mathematical and analytical skills including SAS, SQL, Office suite
- Team building & Mentorship: Track record of leading high performing teams, providing coaching, development and recognition
- Revenue & Profit Generation
- Consumer Lending Growth
- Operational Excellence
- Platform Digitization
- Process Automation
- Cloud-Based Data Solutions Product Development & Differentiation
- Risk & Fraud Mitigation
- Cost Containment
Timeline
Director of Consumer Lending
USAA Federal Savings Bank
08.2021 - Current
Advanced Analytics & Reporting Manager - Auto
Ally Financial
01.2019 - 08.2021
Credit Policy Risk Manager - Auto
Ally Financial
01.2018 - 01.2019
Lead Consumer Loan Underwriter
Wells Fargo Bank, NA
01.2012 - 01.2015
Banking Specialist
Wells Fargo Bank, NA
01.2010 - 01.2012
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University of Wisconsin - Milwaukee
Senior Product & Acquisitions Analyst- Auto
Ally Financial
2015 - 01.2018
Arizona State University