Khaled El Merhebi
Media,PA
Summary
Senior finance and risk leader with over 18+ years of demonstrated ability in delivering mission-critical results. Oversee teams that develop and implement analytical and reporting capabilities to deliver on strategic priorities for optimal profitability. Ambitious team leader adept at creating strategic alliances with organizational leaders and effectively aligning with and supporting key business initiatives. Independent decision-maker who practices sound judgment to positively influence C-level executives with proven track record in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Overview
18
18
years of professional experience
Work History
Head of Credit Card Financial Planning & Analysis
JPMorgan Chase
08.2022 - Current
- Managed multi-billion dollar P&L for credit card business with over 60 million customers to deliver on business strategy.
- Saved $10mm per year on funding cost by collaborating with treasury to develop funding strategies to lower funding cost.
- Reduced forecast generation turnaround time from weeks down to 2 days by directing technological and analytical improvements, reducing inefficiencies and reporting bottlenecks.
- Improved reporting and communication of financial results to same day actuals post by implementing standard processes and templates.
- Greatly improved quality and depth of presentation materials to provide deeper insights and to guide decisions.
- Developed cross-functional communication channels that aligned finance, risk, controllers, treasury, marketing and MIS, facilitating budget planning discussions that enhanced strategic decisions and group collaborations.
Market Risk VaR Model Validation Lead
JPMorgan Chase
11.2018 - 08.2022
- Managed Market Risk VaR and Regulatory Capital models validation and governance which led to successful compliance with SR11-7.
- Developed framework and policies for assessing internal model changes across US and EMEA legal entities (UK & Germany) that strengthened governance of VaR models.
- Streamlined governance and validation activities for Risk not in VaR models eliminating inefficiencies without sacrificing quality.
Head of Loss Forecast & Portfolio Analytics
JPMorgan Chase
02.2017 - 11.2018
- Simplified and streamlined processes to strengthen loss forecasting and risk oversight activities eliminating operational errors and improving work-life balance.
- Mitigated over $30mm in losses by identifying issues with high-risk account management strategy shortly after deployment.
- Sharpened pricing decisions by implementing new pricing framework in collaboration with risk strategy executives, finance and cross-functional teams.
- Derived forward-looking insights from ongoing analytics projects to offer predictive intelligence for ongoing business decision-making.
- Directed credit risk early warning initiative leveraging leading indicators and internal data that enhanced structural risk identification in small business portfolio.
- Built strong partnerships with retail and wholesale model developers contributing to significant improvements to CCAR models successfully addressing regulatory issues.
- Turned around low performing team into high performing within 6 months by strategically aligning staff to their strengths and defining clear goals and business priorities.
Firmwide Model Risk Policy Lead
JPMorgan Chase
02.2015 - 02.2017
- Elevated model governance policies and procedures by implementing balanced solutions that fit 3000+ models used across the bank while strengthening model governance to meet regulatory expectations.
- Addressed regulatory issues by implementing mission-critical governance programs under very aggressive deadlines (e.g., model performance monitoring, model re-validation templates, model definition).
- Successfully guided regulatory discussions on model risk policies and validation activities.
Mortgage Model Validation Lead
JPMorgan Chase
12.2012 - 01.2015
- Managed model validation and governance activities for mortgage business end-to-end (underwriting, collection, Stress Testing, Allowance, Valuation, Pricing, budgeting) and regulatory capital models for consumer portfolios (Card, Auto, Mortgage, Small Business).
Loss Forecast Manager
Fannie Mae
10.2008 - 12.2012
- Managed testing, implementation and on-going maintenance of credit risk models improving models' accuracy and eliminating operational issues.
- Revamped monthly loan loss reserve process increasing efficiency (from 12hrs down to 4hrs) and eliminating operational errors by automating and streamlining model execution.
- Performed credit risk analyses and communicated allowance recommendations to C-level executives to guide reserve build decisions.
- Researched macroeconomic, industry and company-specific data to develop financial projections and forecasts which informed executives on mortgage market trends and conditions.
Pricing Analyst
Fannie Mae
01.2007 - 09.2008
Education
Master of Science - Applied Economics
Johns Hopkins University
Washington, DC12.2011
MBA - Finance
Northeastern University
Boston, MA12.2006
Bachelor of Arts - Economics
American University of Beirut
Beirut, Lebanon05.2002
Skills
- Profit & Loss management
- Financial analysis, budgeting & forecasting
- Quantitative & statistical analysis
- Scenario & sensitivity analysis
- Stress testing (CCAR) & risk appetite
- Allowance (CECL) & loss forecasting
- Credit Card, Mortgage, Small Business
- Consumer, Wholesale & Market risk
- Basel regulatory capital
- Model development & validation
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Head of Credit Card Financial Planning & Analysis
JPMorgan Chase
08.2022 - Current
Market Risk VaR Model Validation Lead
JPMorgan Chase
11.2018 - 08.2022
Head of Loss Forecast & Portfolio Analytics
JPMorgan Chase
02.2017 - 11.2018
Firmwide Model Risk Policy Lead
JPMorgan Chase
02.2015 - 02.2017
Mortgage Model Validation Lead
JPMorgan Chase
12.2012 - 01.2015
Loss Forecast Manager
Fannie Mae
10.2008 - 12.2012
Pricing Analyst
Fannie Mae
01.2007 - 09.2008
Master of Science - Applied Economics
Johns Hopkins University
MBA - Finance
Northeastern University
Bachelor of Arts - Economics
American University of Beirut
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