At BOK Financial Corporation, I analyze credit card transaction data across a $1.95B+ portfolio to identify delinquency patterns, roll rates, and DPD movements. My work contributed to a 14% reduction in early-stage delinquencies over 12 months.
I analyzed credit utilization, origination trends, and approval-decline patterns to refine the Credit Line Increase strategy for low-risk revolving customers. This generated a $1.8M improvement in Net Interest Margin while maintaining default rates within approved risk limits.
I conducted risk scorecard back-testing and performance validation, contributing to a 3.5% improvement in Gini coefficient and supporting an 8% reduction in annual charge-offs. I also developed Power BI dashboards for portfolio risk metrics, reducing manual reporting effort by 35%.
I engineered SQL and Python pipelines that reduced risk reporting turnaround time by 50%, and optimized complex SQL queries to cut runtime by 65%. I work with Product, Marketing, Underwriting, and Finance stakeholders on acquisition risk, credit policy performance, and portfolio profitability.
