Rachael Chan

About Rachael Chan

Risk and strategy leader with 15+ years of experience across banking, startups, and telecom, specializing in credit risk, portfolio management, and acquisition strategy for both consumer and business segments. Proven track record of building and scaling data-driven risk frameworks that balance growth, profitability, and credit quality across diverse markets and business models.Deep expertise in end-to-end credit lifecycle management, including underwriting, portfolio optimization, loss mitigation, and customer acquisition strategy. Known for partnering closely with product, analytics, and commercial teams to translate complex risk insights into practical, growth-enabling decisions.People leader with 5+ years of experience managing and developing high-performing teams, fostering strong analytical rigor, ownership, and stakeholder engagement. Passionate about mentoring talent, simplifying complex problems, and driving sustainable business outcomes through disciplined risk management.

Experience

1. Senior Manager, Credit Risk Management

   T-Mobile

   May 2020 — Present · Bellevue, WA, US

   T-Mobile, Inc (Two Company Awards: 2021 Top 1% Winner’s Circle, 2023 Top 0.3% Peak Award)- Develop and lead a team of IC managers and analysts to manage a portfolio of ~1.8M business customers- Manage strategy roadmap, which includes identifying strategic opportunities, implementing strategy, tracking performance, creating dashboards, reporting KPIs, and communicating with business partners- Collaborate with underwriting, and sales operations teams to establish credit policies to balance customer experience, operation efficiency, and credit exposure- Designed the first portfolio strategy using predictive modeling (decision tree) for ~30M consumers, resulting in incremental ~$50M NPV in the first year- Analyzed the credit data, and launched the first upgrade strategy for the low-risk segment ~35k accounts, resulting in 2% more line activation, 4% higher financing, and 8% operation efficiency between test and control groups- Implemented a model to identify high-risk populations, introduced policies, and designed the configuration UI with the key variables, which saved over $7M a year in fraud and credit losses

Education

• General Assembly

  Data Science

• The Ohio State University

  Bachelor, Accounting and Finance

• Washington University in Saint Louis

  Master of Business Administration (MBA), Business

Skills

• Digital Marketing
• Investment Brokerage
• Bond Pricing
• Stress Test
• Financial Risk
• Mortgage Banking
• Python
• Valuation
• Cpa
• Portfolio Management
• Competitive Analysis
• Tax Accounting
• Strategy
• Qrm
• Business Process Improvement
• Process Improvement
• Data Analysis
• Leadership
• Financial Variance Analysis
• Fraud Prevention
• Capital Markets
• Smartstation
• Financial Modeling
• Quantitative Analytics
• Powerpoint
• Microsoft Excel
• Data Mining
• Sas
• Risk Management
• Essbase
• Access
• Quickbooks
• Artistic Abilities
• Financial Analysis
• Hedging
• Zephyr Style Advisor
• Finance
• Financial Planning
• Analytics
• Fraud Detection