Machine learning and data leader with deep experience building cloud-native fintech platforms. Drives end-to-end ML and data strategy across the credit lifecycle, with a core focus on short-term credit underwriting and quantitative portfolio strategy at a quarterly billion-dollar scale. Accelerates teams and products by embedding AI- and LLM-powered tooling and service integrations directly into modeling, analytics, and product workflows.

• Cash-flow underwriting and short-term lending credit risk.
• Intelligent cash-flow time series forecasting on open-banking data.
• Optimized collections and payment services for higher recovery and lower friction.
• Fraud-risk detection across the customer and transaction lifecycle.