Successful at managing large partner, co-brand credit card portfolios. Driven to maximize the risk/reward model through investment in credit losses, propel the business forward and exceed corporate hurdles. Focused on P&L management and operation within a well-defined risk appetite framework using comprehensive risk-management tools to target profitable accounts and return value to the corporation, shareholder, and customer. Passionate about building a strong infrastructure and utilizing this framework to develop talent with a strong foundation in risk management. Innate people skills enables successful negotiation with both internal and external stakeholders.

SVP, Head of Portfolio Policy & Business Analytics @ Manage all aspects related to existing customer management, data infrastructure, central analytics, and governance and control for US credit cards. I. Existing Customer Management strategy design, execution and monitoring, including: ~Score cut offs, Segmentation, Scorecard deployment, ~Risk Reward Analysis ~Strategy monitoring / reporting ~Policy design for all owned strategies, Credit limit increase/decrease, Balance growth programs, Authorization, Pricing, Activation, Sales simulation, Cross sell II. Data Infrastructure ~Central point of contact for analytical and execution database and infrastructure ~Ensure complete awareness of all databases used for analytical purposes and design routines to ensure accuracy and smooth functioning ~Maintain a process to create an analytical database that can be used by multiple risk teams for individual functional analysis ~Work with TSYS to understand the execution of all credit strategies (Including acquisitions) and find innovative ways to create efficiencies in strategy execution ~Ensure quality control around execution and manage execution priorities and communication by working together with the Head of Credit Cards Risk Management for US ~Ensure infrastructure readiness for launch of new products III. Central Analytics and operational interface ~Responsible for analytical projects driven by enterprise/business need – such as change in min pay regulation, impact of ability to pay etc. ~Responsibility for understanding the credit related functions managed through operations – such as collections and fraud ~Establish an operating model to regularly review the key performance metrics and ensure that collections and fraud strategies are appropriately executed and follow the industry best practice ~Analytics around key industry trends, peer benchmarking and macroeconomic trends From August 2012 to Present (3 years 5 months) wilmington, delawareRisk Group Lead @ Direct CRO analytical development with a top-down view on portfolio trends in a $12+ billion consumer, credit card portfolio and make recommendations back to key credit risk stakeholders – Acquisition Policy, Existing Customer Management, High Risk Account Management, Collections, and Fraud -- to improve segment performance. Collaborate with the Marketing Analytics organization in the creation and management of a robust risk/reward model to ensure agreement on P&L behavior curves and build an efficient data infrastructure environment for monthly account-level handoffs integrated with said risk/reward model. From October 2010 to August 2012 (1 year 11 months) Risk Analysis Lead @ Responsible for the acquisitions of co-brand, partner accounts within multiple industry segments -- retail, affinity, financial institutions, airlines, T&E – managed through a controlled, risk/reward framework with targeted marginal loss thresholds designed to achieve profitability in all segments booked. Member of the prospective partner core team targeting profitable partnerships. From August 2006 to September 2010 (4 years 2 months) Senior Risk Analyst @ Identified profitable acquisition segments meeting corporate hurdles booking 12MM+ accounts on an annual basis. Through linear and logistic regression, segmented populations to determine the appropriate line assignment taking into consideration a customer’s ability (income, assets), stability (length of time at residence, length of employment) and demonstrated willingness to pay (payment behaviors on the credit file). From November 2003 to July 2006 (2 years 9 months) Credit Operations @ Decision credit card applications to maximize customer opportunities through judgmental lending and minimize risk through appropriate line assignment. Created visual basic and macros through Excel and the account management mainframe to increase productivity for over 100 judgmental lenders. Participant in the MasterPiece and People Development Program. From June 2003 to October 2003 (5 months) Customer Marketing Quality Assurance @ Ensured quality execution in the Customer Activation specialist population through new hire education, fraud verification procedures, and federal regulation compliance. From May 2001 to May 2003 (2 years 1 month)

BS, Psychology, Minor: Biology @ University of Delaware Vincent Houck is skilled in: Credit Risk, Credit Cards, SAS, Financial Risk, Credit, SAS programming, Portfolio Management, Banking, Risk Management, Credit Analysis, Analytics, Risk Analytics, Analysis, CRM, Strategic Financial Planning, Vendor Management, Management