Bridget M. Yow
Credit Risk Analyst
Wilmington, DE · (727) 555 0171 · name@example.com · linkedin.com/in/bridgetmyow
Key Qualifications
EXPERIENCE
Five years of consumer credit risk measurement on card and installment portfolios
INDUSTRIES
Credit card issuing, consumer lending, retail banking
SPECIALTIES
Loss forecasting, vintage analysis, reserve modeling, credit strategy testing
SYSTEMS
SAS, Python, Snowflake, Tableau, Microsoft Excel
CREDENTIALS
Financial Risk Manager, Global Association of Risk Professionals
EDUCATION
Master of Science in statistics, University of Delaware
Results at a Glance
3.2
Billion dollars
14%
Error to percent
2023
Acquisition cohort running
90,000
Accounts that raised
Executive Summary
Credit risk analyst on a card portfolio, measuring loss rates by vintage, forecasting reserves under the current expected credit loss standard and testing line assignment strategies. Five years spent building the numbers that credit policy decisions get argued over before anyone changes a cutoff.
Signature Achievements
- Forecasts monthly losses on a card portfolio of 3.2 billion dollars in outstanding balances.
- Improved the twelve month loss forecast accuracy from 14 percent error to 6 percent error.
- Built the vintage curves that showed a 2023 acquisition cohort running 40 basis points worse than plan.
- Tested a line increase strategy on 90,000 accounts that raised balances without moving delinquency.
- Documented the current expected credit loss reserve calculation for model validation review.
- Automated the monthly credit risk pack in Python and saved five working days each cycle.
Professional Experience
Credit Risk Analyst
Brandywine Card Services, Wilmington, DE 2022 to present
Credit risk analytics team of eight supporting a card issuer with 1.4 million active accounts.
- Produces monthly loss forecasts and reserve estimates under the current expected credit loss standard.
- Analyzes delinquency roll rates, vintage performance and recovery assumptions by acquisition channel.
- Tests credit line and authorization strategies through champion and challenger designs.
- Prepares the credit risk section of the quarterly portfolio review for the chief risk officer.
- Supports model validation with data lineage, assumption documentation and back testing results.
Credit Analytics Associate
Keystone Ridge Consumer Finance, Bethlehem, PA 2020 to 2022
Analytics associate on an installment lending book of 600 million dollars.
- Built scorecards monitoring reports and tracked population stability by score band.
- Produced weekly delinquency and charge off reporting for the credit committee.
- Reconciled loss data between the servicing platform and the general ledger.
Licensure and Certification
Financial Risk Manager, Global Association of Risk Professionals
Member of the Risk Management Association Philadelphia chapter
Education
Master of Science in statistics, University of Delaware, 2020
Bachelor of Science in mathematics, Temple University, 2018
Core Skills
Loss forecasting · Vintage analysis · Current expected credit loss · Roll rate modeling · Champion and challenger testing · SAS programming · Python · Snowflake · Portfolio reporting · Model documentation