Michael Santos

About Michael Santos

I build analytics and reporting capabilities that help organizations see clearly, decide faster, and scale with confidence.My career has focused on the space where data, risk, and executive decision-making intersect - not on individual dashboards, point analyses, or model ownership, but on how insights are produced, trusted, and used at scale.I’ve led enterprise reporting and analytics functions through periods of rapid growth, complexity, and scrutiny, designing operating models that prioritize data integrity, governance, and consistency while still delivering timely, executive-ready insight.I’m particularly effective in environments where- Insights are fragmented across teams- Leaders need a single, trusted view of performance and risk- Analytics must support board-level, regulatory, or strategic decisionsMy approach is simple- Start with how leaders actually make decisions- Design analytics around those moments- Build systems and teams that anticipate needs rather than react to requestsI lead high-caliber analytics and reporting teams that operate as advisors,(not order-takers)- combining strong analytical rigor with disciplined governance, clear storytelling, and a deep understanding of organizational dynamics.I’m not a first-line credit decision maker, and I don’t position myself as a pure technologist. My value is in turning complex data environments into trusted decision infrastructure that scales as organizations grow.

Experience

1. Senior Director, Credit Reporting & Portfolio Analytics

   Silicon Valley Bank

   Feb 2019 — Present · San Francisco, CA, US

Education

• University of California, Davis

  Bachelor of Science (B.S.), Managerial Economics

  1994 — 1999