At Wells Fargo, I analyzed payment plan pricing for the $50B Credit Cards portfolio. My work estimated an $80M annualized steady-state reduction in Net Credit Loss from raising the payment plan APR, supporting approval of the change.
I also assessed a payment plan extension from 60 to 72 months and monitor portfolio delinquency, roll rates, second payment defaults, and charge-offs. I automated reporting with SAS, SQL, and VBA, saving 15+ hours monthly, and prepare portfolio reviews and regulatory risk reports.
On a credit risk modeling project, I built a default prediction model using 23 borrower and repayment features, achieving a ROC–AUC of 0.77. I also developed quantitative trading alphas as a Research Consultant at WorldQuant and ranked as the most profitable trader among 25+ interns at Axxela.
