Financial services professional with 15+ years of analytics and strategy experience in consumer lending who excels at using risk and marketing analytics to drive profitable business decisions. Effective at building consensus utilizing strong influencing and communication skills. Strategic thinker, adept at demonstrating thought leadership to solve business issues and designing effective customer experience solutions. Enthusiastic, dedicated leader
Financial services professional with 15+ years of analytics and strategy experience in consumer lending who excels at using risk and marketing analytics to drive profitable business decisions. Effective at building consensus utilizing strong influencing and communication skills. Strategic thinker, adept at demonstrating thought leadership to solve business issues and designing effective customer experience solutions. Enthusiastic, dedicated leader experienced in building strong teams and business partner relationships. Skilled collaborator within cross-functional teams who has implemented large scale changes to support business growth.
o P&L Management
o Marketing strategy & analytics
o Credit Risk strategy & analytics
o Relationship management
o Prospect & customer segmentation
o Loyalty & rewards marketing
o New product development
Director, Risk Strategy @ Lead team responsible for full life-cycle risk strategy development and analysis for all credit and debit products offered by Nordstrom Bank and Credit. Additional responsibility for marketing analytics for credit and debit product strategy. From August 2014 to Present (1 year 5 months) Greater Denver AreaBusiness Director, Marketing & Analytics @ Joined company through Capital One’s acquisition of HSBC card business. Managed team of 6 responsible for portfolio management, customer experience, risk governance, and integration of approximately 1.5MM acquired accounts.
o Developed new pricing, terms, and rewards strategies for converting accounts
o Key stakeholder in cross-functional development of multi-channel rebranding and communications strategy for converting HSBC accounts, including mass plastic reissue, focused on creating the best customer experience possible
o Experience in evaluating credit card divesture, in conjunction with Corporate Development
o Provided governance oversight for converting HSBC accounts, including incident management and regulatory responses
o Developed framework and provided recommendations on credit policy and regulatory controls From August 2012 to August 2014 (2 years 1 month) Salinas, California AreaMarketing VP/Director, Marketing Strategy & Analytics @ General Manager of $1.5B credit card, line of credit, and installment loan portfolios with full ownership P&L. Led 4 direct reports responsible for originations segmentation and strategy, new product development, loyalty and rewards marketing, relationship management, and product strategy.
o Drove product, pricing, line assignment, and fraud strategy improvements to prime and super-prime affluent card to increase profitability and account growth
o Experienced in leading cross-functional teams to identify opportunities for improved integration of unsecured products resulting in branch-level unsecured product goals and rollout of comprehensive training plan
o Executed extensive review of the line of credit product resulting in significant product positioning changes
o Implemented affluent card enhancements including international and online transaction alerts and ability to redeem rewards points for frequent flyer miles with major airlines
o Led cross-functional team to develop 5-year strategic plan, outlining opportunities to further increase active accounts and pre-tax income
o Built installment loan business case and identified significant growth opportunity from competitive pricing, sales process re-engineering, system migration, and outbound promotions From September 2010 to August 2012 (2 years) Salinas, California AreaRisk Management SVP/Director, Portfolio Risk Management @ Led team of 12 to develop and execute re-pricing and portfolio management strategies for $24B credit card portfolio.
o Developed aggressive loss mitigation strategy resulting in significant contingent liability reduction
o Developed and implemented credit line increase strategies, retention/reinstatement strateges, and re-pricing changes to maximize financial performance within legal and regulatory requirements
o Successfully implemented UDAAP/Card Act regulatory modifications for re-pricing strategies From January 2009 to September 2010 (1 year 9 months) Greater Chicago AreaRisk Management SVP/Director, Risk Account Management, Consumer & Mortgage Lending @ Led team of 2 directs to develop and implement account management strategies for $11B unsecured revolving loan portfolio.
o Developed innovative line management strategy to mitigate losses and meet risk weighted asset targets, requiring significant buy-in and collaboration from cross department stakeholders
o Eliminated high risk overlimit authorizations and reduced allowable overdraft amount to mitigate portfolio default risk From May 2008 to March 2009 (11 months) Greater Chicago AreaRisk Management Director, Risk Oversight & Governance, Corporate Risk Management @ Risk oversight for a $40B credit card and private label portfolio and $32B taxpayer financial services portfolio, including credit and pricing proposal review, credit trends, loss forecasts, and reserve adequacy.
o Built risk governance structure for HSBC North America
o Acted as liaison to business units regarding governance structure and developed consistent engagement framework
o Assessed monthly credit trends and loss forecasts for Chief Credit Officer
o Developed minimum standards for reporting, policy documentation, process changes, pricing, and profit models
o Coordinated minimum standards implementation across North America and ensured compliance by all business units
o Developed enhancements and clarifications to HSBC Finance Corporation Credit Authority matrix and ensured consistent interpretation across all businesses
o Conducted business reviews on $40B card portfolios, focusing on acquisition strategies and pricing to ensure profitability From December 2005 to October 2007 (1 year 11 months) Greater Chicago AreaSenior Manager, Credit Policy, Risk Management @ Led team of 8 professionals responsible for credit policy development, line management, reporting and marketing eligibility segmentation for the $50B credit card portfolio and for complete credit life cycle management of the home loans portfolio.
o Developed suite of life cycle line increase programs focused on maximizing usage within risk tolerances, resulting in fewer, more efficient strategies
o Built marketing and retention eligibility segmentation for balance transfer, cash, sales and activation offers
o Developed cash line increase strategy targeting lower risk cash users
o Conducted 4 month international assignment, consulting on full credit life cycle evaluation and strategy development
o Leveraged SAS to develop new line assignment strategies, addressing customer usage, in addition to risk and capacity to pay, resulting in reduced losses and enhanced ability to track performance From 1998 to 2005 (7 years) Greater Chicago AreaStatistical Analyst, Risk Management, Prime Option Services @ From 1997 to 1998 (1 year) Greater Salt Lake City AreaSenior Risk Analyst, Originations Credit Policy @ From 1996 to 1997 (1 year) Salinas, California Area
M.S., Applied Mathematics, Emphasis on Statistics @ University of Utah From 1993 to 1995 B.Sc., Mathematics @ McGill University From 1988 to 1993 Gillian Bannerman is skilled in: Analytics, Credit Cards, Portfolio Management, Credit, Product Management, Strategy, Financial Services, Credit Risk, Segmentation, Loans, SAS, Management, Marketing Analytics, Relationship Management, Risk Analytics
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