Capital One
Auto Finance
McLean, VA
Senior Associate, Partnerships
Mar 2026 – Present
- Led a high-priority, multi-state credit policy expansion test for a strategic lending partner using Python, SQL, and Policy Engine to revise LTV, FE, BE, PTI, payment, and term counter limits, targeting 2.5–3x funded volume growth ahead of a national rollout projected to generate up to ~$100M in incremental NPV and ~$3B in originations.
- Coordinated the test release across sales, legal, product, operations, and technology, then led post-launch monitoring with executive leaders across applicant mix, approvals, funded volume, credit risk, and profitability.
Senior Associate, Prime Skew
Aug 2025 – Mar 2026
- Launched a differentiated credit decisioning strategy projected to increase NPV by ~$20M across Prime-Skew dealerships representing 12% of all dealers, by adjusting targets, approval limits, pricing, and counter limits.
- Productionized an XGBoost model using market and dealer-level attributes to identify rate-insensitive customer segments and apply risk-based pricing, accounting for ~$7M of the projected $20M NPV uplift.
Senior Associate, Dealer Management
Aug 2024 – Aug 2025
- Built an automated Auto Finance reporting suite using SQL, dbt, and Tableau, covering volume, losses, valuations, and risk metrics used in monthly portfolio strategy and credit policy decisions.
- Automated quarterly reporting with dbt, SQL, and Python, including Google Sheets and Slides updates, removing days of manual work each quarter.
Associate, Credit Card Innovation
Aug 2023 – Aug 2024
- Contributed to a production analytics repository in Python, SQL, and YAML that compared expected credit risk with actual portfolio performance, including model changes, bug fixes, and deployment.
- Presented model-driven insights that informed credit card policy decisions, with follow-up analysis in Python, SQL, and Excel.