Manager Data

INKERI LIOUBEK

Irvine, CA

Phone: 949-***-**** Email: *******@*****.***

MANAGER, RISK MANAGEMENT

Experienced Manager in financial services, risk consumer credit and information technology industries. Innovative and creative leader with expertise in credit bureau, origination and collections strategies, scorecard development and implementation, portfolio management, risk strategy development and data intelligence. Strategic thinker and business partner with international experiences and multi-lingual skills. Provide executive and senior management team with strategic risk planning, vision and roadmap for best return on investment. KEY EXPERTISE

Business-impact analysis using custom scores

Loan Origination strategy and underwriting policy development

Credit Bureau Attributes development &

implementation

Tri-bureau attribute leveling

Project management

High risk portfolio solution strategy

Scorecard development and implementation

Consumer Credit risk analysis

SAS Programming

Multi-lingual skills

PROFESSIONAL EXPERIENCE

HYUNDAI CAPITAL AMERICA, IRVINE, CA 2013 – 2018

Manager II, Risk – Analytical Center of Excellence

Build Predictive Modeling Standard Data environment by creating automated process for preparing model development data using SAS Programing /SAS Macro Language

Perform data management and achieve high level of data integrity for all sources of data utilized for predictive modeling and create data dictionaries and definitions

Develop statistical predictive models using FICO Model Builder for US and Canadian originations and for US Retail Early Delinquency and Lease late delinquency collections operations

In coordination with portfolio risk and collections planning groups, analyze and forecast HCA’s current and potential risks related to the loan and lease portfolios, including trend, credit quality and delinquency analyses

Manage maintenance of reports and analysis of portfolio sub-populations, scorecard performances, including population shifts for retail and lease scorecards

HYUNDAI CAPITAL AMERICA, IRVINE, CA 2011 – 2013

Manager I, Credit Operations Analytics

Develop KPIs for credit and funding departments

Lead monthly IBP process, analyze and track credit analysts performance and calculate monthly payout

Lead monthly application volume and turn time forecasts for credit and funding

Create new and modify existing SAS code to enhance monthly reporting processes

Run weekly pace reports and capacity model for credit and funding

Support WFM project in data and business requirements and drive project to ensure Consumer Credit needs are met

SALLIE MAE, RESTON, VA 2008 – 2010

Manager, Credit

Lead analytical team to develop risk strategies for segmentation, loan origination and underwriting policies

Monitor and analyze portfolio for determining effectiveness of new credit policies and recommend new derived predictors of risk and credit worthiness

Provide performance volume and profitability analysis to determine automatic decisions and cut-offs versus judgmental overrides

Streamline data requirements for monitoring and tracking predictive models

Manage and coordinate cross functional business and IT groups for development and implementation of credit risk strategy and credit risk analysis models

Lead the STAGG variables implementation at Trans Union and Equifax and score card audit EXPERIAN, COSTA MESA, CA 2004 – 2008

Senior Data Analyst

Subject matter expert in creating, translating and leveling tri-bureau custom attributes for Experian, Equifax and Trans Union data

Conduct detail data analysis and recommend strategic solutions for increasing profitability, reduce bad debt, risk and improve business processes

Interpret results of analyses, validate credit models and scorecards, identify industry trends and recommend alternatives to support business objectives and account effectiveness

Collaborate with external and internal clients for managing risk solution implementation

Document and deliver presentations to internal and external clients on statistical analyses and interpretation of results

SAINNAS, IRVINE, CA 2001 – 2004

Business Development Consultant

SIEMENS, SANTA CLARA, CA 1999 – 2001

Counselor - German

SIEMENS, RUSSIA 1997 – 1999

Marketing and Customer Service Lead

EDUCATION

MA German and Russian Linguistics and World Literature University of Petrozavodsk, Russia Business Management University of Koethen, Germany Computer Science Irvine Valley School, Irvine, CA

Graphic Design, French Language Santa Clara / San Jose, CA TECHNOLOGY

MS-Office, SAS, SAS e-Guide, e-Miner, SQL, FICO Model Builder, Tableau, Adobe Photoshop, Adobe InDesign, Adobe Illustrator, QuarkXpress, Macromedia Dreamweaver, 3d Max, C, Perl, Python, Oracle VOLUNTEERISM

Acting as a group leader at the Landmark seminars and coaching a team of 5 members at the Self-Expression and Leadership Program

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