Summary
Overview
Work History
Education
Skills
Websites
Volunteer Experience
Timeline
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Tierra Hudgins

Wilmington,DE

Summary

Results-oriented MBA graduate with over 5+ years of experience in loan origination, credit analysis, and fraud detection within the Fintech industry. Proven expertise in project management, risk mitigation, and operational efficiency. Skilled in cross-functional collaboration, fraud prevention strategies, and fostering a culture of continuous improvement. Possesses proven ability to utilize core adult learning principles and frameworks in a dynamic environment to foster behavior competencies that support key training initiatives. Passionate about driving organizational success through innovative solutions and effective leadership.

Overview

9
9
years of professional experience

Work History

Senior Borrow Operations Associate

M1
08.2023 - 01.2024
  • Led strategic development and implementation of M1's personal loans product, enhancing operational efficiency and customer experience
  • Spearheaded in-house collections program resulting in 10% decrease in past due accounts within first two weeks of implementation
  • Successfully managed multiple critical projects, ensuring timely delivery despite resource constraints
  • Orchestrated outsourcing of new personal loans pre-funding operations to streamline processes and drive scalability
  • Facilitated cross-functional collaboration to optimize operational procedures and ensure compliance with regulatory requirements
  • Designed and delivered comprehensive training programs, ensuring trainees achieved 90%+ post-training assessment scores.

Senior Fraud Operations Associate

M1
02.2022 - 08.2023
  • Developed and implemented advanced fraud mitigation workflows, resulting in increased loan originations and zero fraud loss
  • Managed successful outsourcing of 50% of personal loans pre-funding operations, optimizing resource allocation and operational efficiency
  • Utilized multi-source intelligence (e.g
  • Source) to conduct comprehensive fraud analysis and identify emerging threats
  • Fostered collaboration across departments to define and implement fraud prevention best practices
  • Provided subject matter expertise and training to enhance team capabilities in fraud detection and prevention.

Consumer Loan Analyst II

SoFi
04.2020 - 02.2023
  • Conducted loan originations while simultaneously cultivating and maintaining member relationships throughout the loan lifecycle, ensuring a seamless experience from application to closure
  • Led cross-departmental collaborations to conduct in-depth analysis of reports, proactively preventing fraud and minimizing financial risk while elevating customer satisfaction
  • Evaluated Socure and Threat Matrix thresholds in credit/underwriting process, effectively preempting fraudulent activities
  • Independently resolved escalated complaints, mitigating company's exposure to legal and regulatory penalties
  • Conducted rigorous manager full application reviews to ensure trainees achieved a 95%+ error-free proficiency rating
  • Recognized as a Subject Matter Expert (SME) for multiple products, instrumental in shaping policy amendments to manage risk across lending portfolios
  • Executed all functions associated with Flex Loan Analyst II role and contributed to strategic project initiatives.

Consumer Loan Review Efficiency Analyst

SoFi
07.2021 - 01.2022
  • Analyzed borrower accounts and curated data to fortify updates to Standard Operating Procedures (SOPs), driving increased loan origination while concurrently strengthening fraud mitigation efforts
  • Partnered with operations manager to ideate and execute leadership training sessions for senior management, fostering professional development and enhancing team efficacy
  • Engineered projects aimed at optimizing operations and workflows
  • Notably, identified and provided essentials resources to over 150 employees in review department, resulting in heightened efficiency and productivity
  • Executed intensive research and crafted insightful data reports to facilitate strategic management of project resources, risks, and changes, thus contributing to successful development and execution of projects.

Flex Loan Analyst II

SoFi
06.2019 - 03.2020
  • Executed comprehensive loan reviews to evaluate eligibility of extending credit to members, ensuring rigorous risk assessment
  • Piloted new tools and provided training to team members on their utilization, ensuring seamless integration and proficiency
  • Advanced from Flex Consumer Loan Analyst II to Consumer Loan Analyst II in April 2020, attributed to outstanding performance.

Customer Relationship Management Consultant

SoFi
04.2018 - 05.2019
  • Investigated member accounts to identify remaining action required to complete loan process (origination to funding)
  • Showcased strong written and verbal communication skills by educating members on SoFi’s products and services as well as addressing incoming chats, SMS, email, general inquiries, and concerns
  • Promoted from Customer Relationship Management Consultant to Flex Consumer Loan Analyst II in June 2019 due to being a top performer.

Worker’s Compensation Specialist/Patient Advocate

MedRisk
10.2016 - 10.2017
  • Ensured patient therapy and diagnostic services were received by processing case management claims with insurance carriers and educated members on service being product to ensure all needs were met
  • Scored over 90% on overall call quality and exceeded scheduling standard of 15 by obtaining 16 scheduled patients throughout employment.

Independent Contractor

Commerce Energy
06.2015 - 08.2015
  • Ranked top performer in office by securing new and old customer contracts weekly.

Public Affairs and Fund Development Intern

Westside Family Healthcare (WFH)
02.2015 - 06.2015
  • Helped WFH surpass fundraiser monetary goal by assisting with 5K/10K implementation.

Education

Master of Business Administration - Business Technology Management

Wilmington University
Wilmington, DE
12.2021

Bachelor of Arts - Public Policy

University of Delaware
Newark, DE
05.2016

Skills

  • Project Management
  • Relationship Building
  • Customer Service
  • Quality Control Analysis

Volunteer Experience

  • Food Bank of Delaware
  • Claymont Community Center
  • Assisted Living Center

Timeline

Senior Borrow Operations Associate

M1
08.2023 - 01.2024

Senior Fraud Operations Associate

M1
02.2022 - 08.2023

Consumer Loan Review Efficiency Analyst

SoFi
07.2021 - 01.2022

Consumer Loan Analyst II

SoFi
04.2020 - 02.2023

Flex Loan Analyst II

SoFi
06.2019 - 03.2020

Customer Relationship Management Consultant

SoFi
04.2018 - 05.2019

Worker’s Compensation Specialist/Patient Advocate

MedRisk
10.2016 - 10.2017

Independent Contractor

Commerce Energy
06.2015 - 08.2015

Public Affairs and Fund Development Intern

Westside Family Healthcare (WFH)
02.2015 - 06.2015

Master of Business Administration - Business Technology Management

Wilmington University

Bachelor of Arts - Public Policy

University of Delaware

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Tierra Hudgins