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Vice President Retail Credit Risk Policy & Systems

Location:
Chicago, Illinois, United States
Posted:
October 13, 2016

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Resume:

Scott Beatty acw1q1@r.postjobfree.com www.linkedin.com/in/scottbeattymba

SUMMARY

Consumer and Small Business Banking professional particularly adept in credit risk: policies, systems & software, data, analytics & reporting, and architecture/infrastructure. Recognized for strengths across vast scope of the financial sector by internal and external clients, including vendors and key stakeholders across the bank. Client focus, with extreme adaptation and versatility within operations across multiple countries, cultures, and departments.

Credit Risk Management

Credit Risk Systems

Liaison between business & IT

Credit Bureau Data & Scores

(Credit Risk) Data, Analytics & Reporting

Internal Consultant (Globally)

Decision Engine Software Expertise

Project Manager

PROFESSIONAL EXPERIENCE

HSBC Bank, Mettawa, IL 2003-2016

HSBC is a British-based multinational banking and financial services company headquartered in London, United Kingdom. It is the world's fourth largest bank by total assets (over US$2.67 trillion).

Vice President Retail Credit Risk Policy & Systems, (Brazil), 2014-2016

Head of the Decision Systems Department (team of 10) managing the day-to-day bank-wide credit risk systems, along with various budget and resource responsibilities. Additional key responsibility of assessing and proposing a bank-wide business plan to fix all obstacles which hindered frequent, systemic, expedient credit risk policy changes from being implemented.

The business plan resulted in a nimble credit risk architecture with speed-to-market capabilities for frequent changes; better risk controls and data integrity; alignment of country credit risk systems to corporate: architectural systems, business and IT standards and practices.

Designed and implemented solutions for the entire bank’s system architecture surrounding new business and account management.

Defined all requirements to implement multi-million-dollar / multi-year business plan.

Developed a deployment schedule to maximize return on the project’s investment while minimizing impacts to overall project timeline and costs (gain as you go).

Solicited all areas of the bank for buy-in and enthusiastic approval of the project, educating and communicating its benefits.

Vice President Retail Credit Risk Policy & Systems, (Bermuda), 2012-2013

Implemented and enhanced all functions (people, processes & systems) surrounding and within Retail Credit Risk, while also taking on the role as Head of Retail Credit Risk.

Implemented the global decision engine software (Strategy Manager generation3 - SMg3) throughout the bank for Retail and Small Business.

Converted the application processing system onto the corporate global platform; this assured data integrity and facilitated the credit risk systems and encapsulating processes to become compliant while enabling reporting and analytic capabilities.

Automated retail credit risk adjudication and implemented credit risk data & analytics.

Aligned credit policies and procedures across the bank’s business, operations and credit risk.

Established a credit risk analytics database of retro-linked past acquired customers to their historical performance to-date.

Implemented PC SAS; hiring offshore resources to deliver credit risk analytical reporting & perform portfolio reviews.

Streamlined and optimized business and credit risk procedures while aligning to the new credit risk system changes.

Vice President Retail Credit Risk Policy & Systems, (Chicago, IL), 2009-2011

Fully automated the end-to-end application life cycle for all new retail and small business products for several countries: Costa Rica, Honduras, Panama, Chile, Colombia, Peru & Argentina with a net benefit of $13.1MM.

Established standards across the (Latin American) region, within each country such as: common business (risk) and system process flows, (risk) operational procedures, testing strategies, and a common standard data interface which enable centralized analytical reporting across the region.

Significantly enriched the regional data for: improved analytics, a standard change management process, risk controls, product optimization, and multi-product offering.

Spearheaded a consistent and automated application process & system

Automated and expanded the gathering, summarizing and usage of credit bureau data and internal and external scores within each country

Automated credit risk policy rules via decision engine software (SMg3). This enabled rapid, automated judgmental, yet consistent decisions.

Assistant Vice President Retail Credit Risk Policy & Systems, (Chicago, IL), 2004-2008

Provided consulting to HSBC’s Global Business Lines across all banking products, including Private Label (Store) Cards, Credit Cards, Personal Loans, Auto Loans, Mortgages, Business Banking (SMB and MME) as well as Deposit Products; delivered data, analytics, and automated decision engine projects across CRM and Credit projects.

Strategically planned the implementation and regionalization of credit risk application processing functions, particularly decision engine technology, data and analytics.

Co-chaired the request-for-information/price (RFI/RFP) process for a new global decision engine software and a regional credit bureau solution; SMg3 & Connect+, respectively were chosen.

Designed the end-to-end workflow of an automated application process using SMg3 across Central and Eastern European; centralized in Prague, Czech.

Co-authored SMg3’s global training and played as a key subject matter expert in converting onto this new software/platform; defining standards implemented worldwide.

Household International, Chicago IL 1997-2003

A consumer financial services company acquired by HSBC in 2003.

Sr. Bus. Systems Analyst /Mgr. Cr. Risk Policy /Sr. Cr. Portfolio Analyst

Liaised between the business and IT; instituted best practices on the usage, testing and deployment of decision engine technology.

Primary user developer for various data warehouse and databases; developed SAS programs for portfolio reviews and all credit risk reports.

EDUCATION / TRAINING

MBA, e-Commerce & Customer Relationship Management (CRM) – November, 2010

DePaul University, Chicago, IL

Bachelor of Business Administration, International Business & Finance - June, 1997

Hofstra University, Long Island, NY

SAS: Advanced, Enterprise, and SQL

ADDITIONAL RELEVANT INFORMATION

Decision Engine Software (StrategyWare, SMg3, Decision Systems, TRIAD)

(Credit Bureau) Data Aggregation Software (Rap-Up, Connect+)

SAS- Mainframe and PC; SQL- SAS and DB2

COBOL, File Aid, Mainframe Utilities, AS400, FileMaker



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