Risk Management Vice President

*** ********* **., *** ******, US, ***** • ************@*****.*** • 302-***-****

DR. KEITH PETTIFORD

Director/Executive/Leader/Educator

PROFESSIONAL SUMMARY

Accomplished executive and thought leader with distinguished experience leading people, processes, and systems to positively impact bottom-line performance. Equipped with several years of national experience specializing in finance, product, and marketing, as well as a strong commercial mindset and remarkable business drive. Proven success serving in high-impact roles, collaborating with executive teams as a collaborative data-driven decision maker with expertise in financial modeling and strategic business planning. Leverage a direct approach to navigate through challenging and complex business situations, exceeding expectations by providing tools and resources to maximize potential and drive operational excellence.

EMPLOYMENT HISTORY

DIRECTOR – CONSUMER CREDIT AND RISK MANAGEMENT Apr 2022 - Jun 2025 Harley Davidson Financial Services New Castle, DE

Lead consumer credit analysis, ensuring portfolio quality meets performance targets.

Directed credit officers, enhancing consumer underwriting strategies and operational efficiency.

Evaluated portfolio, recommending strategic credit changes for improved results.

Key leader at Eaglemark Savings Bank, contributing to ALCO and Loan Committee decisions.

Directed comprehensive consumer credit analysis, enhancing approval quality and aligning with performance targets to drive portfolio growth.

Optimized underwriting strategies through performance monitoring, resulting in improved loan quality and reduced risk exposure.

Fostered collaboration among Credit Officers, enhancing coaching and performance evaluation, which strengthened team effectiveness in decision-making.

Participated in strategic committees, influencing credit policy and operational strategies to align with long-term business objectives and market trends.

EXECUTIVE DIRECTOR - AUTO FINANCE CREDIT RISK (CONSUMER & COMMUNITY BANKING) / RISK & FINANCE TECHNOLOGY (CORP. TECH) Jan 2014 - Apr 2022 JP Morgan Chase Wilmington, DE

• Harmonize business operations across this elite organization, engaging with executive leadership teams to provide recommendations regarding organizational design and change management initiatives.

• Architect the direction of decision infrastructure, partnering with Consumer and Community Banking Risk product owners and Risk IT development teams.

• Lead Credit Strategy Advisory Group to govern all critical policy and strategy decisions for Chase Auto.

• Launch key credit risk and fraud strategies and mentor a team of Business rules developers. VICE PRESIDENT – RISK GROUP LEAD / ASSISTANT VICE PRESIDENT – RISK ANALYSIS LEAD Jan 2009 - Jan 2014 Barclays Bank Wilmington, DE

• Served in multiple capacities while administering multiple business functions.

• Spearheaded exceptional portfolio management strategies and provided analytic oversight for one of Barclaycard’s South African International portfolios.

• Piloted portfolio management risk strategies for co-brand and brand portfolios.

• Managed analytical resources located in the U.S. and India. Early Career Experience

Risk Manager, JP Morgan Chase, Wilmington, DE

Sr. Risk Analyst / E-Business / Data Analyst, Citibank, Wilmington, DE / Long Island City, NY Sr. Quantitative Business Analyst, Bank One, Wilmington, DE Banking Center Manager, Bank of America, Baltimore, MD Account Representative / Sales Manager / Collections Manager, MBNA America, Baltimore, MD / Newark, DE Teaching Experience

Adjunct Professor, Wilmington University, New Castle, DE (2012 - Present)

• Instructor of Executive Decision Making (Doctorate level), Money, Banking, and the Macro-Economy (Master's level), Business Analytics, Business Ethics, Organizational Behavior, Supervisory Management, Strategic Management, Sports Management.

• Served on five dissertation committees and successfully redeveloped two courses: Executive Decision Making and Money, Banking, and the Macro-Economy.

• Experience in synchronous and Asynchronous instruction. Adjunct Professor, Wesley College, Dover / New Castle, DE (2009 – 2012)

• Instructor of Statistics and Mathematics courses to traditional and non-traditional students EDUCATION

DOCTOR OF BUSINESS ADMINISTRATION

Wilmington University

MASTER OF BUSINESS ADMINISTRATION

Wilmington University

BACHELOR OF SCIENCE IN MATHEMATICS

Coppin State University

SKILLS

Strategic Planning (Expert), Cost Containment (Experienced), People Management (Expert), Public Speaking (Expert), Governance

(Experienced), Loss Forecasting (Experienced), Credit Risk (Expert), Business Opportunities (Expert), Workflow Management (Experienced), Program Management and Development (Experienced), Agile Methodology (Experienced), Business Analytics and Modeling (Expert), Decision Support (Experienced), Fraud Management (Experienced), Risk Assessment (Experienced), Consumer Lending (Expert), Business Development (Expert), Stakeholder Management (Experienced), KPI and KRI Analysis (Expert), Product Marketing (Experienced), Financial Risk Management (Expert), Enterprise and Operational Risk Management (Expert), Artificial Intelligence (Experienced), Machine Learning

(Experienced).

LINKS

LinkedIn: https://www.linkedin.com/in/drkrpettiford ADDITIONAL INFORMATION

PUBLICATIONS

• Macroeconomic Indicators of the U.S. Credit Card Charge-off Rate – Banking and Finance Review (2016). Volume 8, No. 1. 89-110.

• Risk Management and Business Strategy: Macro-Economic Factors Predictive of the Consumer Credit Card Charge-off rate. ProQuest Publication November 2011

• The Brown Shoes – Children’s book published by AuthorHouse. June 2022. ISBN: 978-1449052720

• The Green Paper - Children’s book published by Archway Publishing. April 2024. ISBN: 978-1665758987 PROFESSIONAL AFFILIATIONS

• Bureau and Third Party Management – established relationships with Credit Bureaus (Equifax, Experian, Transunion), Data providers

(LexisNexis, NADA/JD Power, BlackBook), and KYC/Fraud Online Servicers (ChannelNet, SmartyStreets, Sentilink, PointPredictive, Plaid).

COMMUNITY AFFILIATIONS

• Member - Risk Management Association, American Bankers Association, Project Management Institute, 100 Black Men of Delaware

• Alpha Phi Alpha Fraternity, Inc.

• Past President of the Gamma Theta Lambda chapter – Wilmington, Delaware

• Past President of the National Pan-Hellenic Council of New Castle County, Delaware

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