Nelson Barringer

About Nelson Barringer

Strategic Credit & Risk Leader with 15+ years of experience shaping pricing, risk governance, and credit policy in high-growth financial services and fintech environments. Proven track record of leading cross-functional teams, optimizing risk-based pricing strategies, and driving data-driven decisioning frameworks that enhance profitability and compliance. Skilled at influencing executive stakeholders, scaling innovative lending products, and fostering a culture of continuous improvement in fast-paced, highly regulated markets.I am a financial services executive known for my business development acumen and data analytics. I apply strategic leadership and direction to all Fintech related business development. I possess an in-depth knowledge on a range of financial products, portfolio management, and financial analysis. Talent for optimizing operation levels and delivering measurable improvements to bottom-line performance.Gifted at adapting in undefined or minimally construed environments initiating structure for complex projects articulating results to senior managers in a clear and coherent manner. Particularly strong at understanding the financial outline, analytical framework, technical aspect, and trending nature of decision science projects while able to convey all required information for the ease of understanding.

Experience

1. Senior Manager, Credit Policy

   CNG Holdings, Inc.

   May 2022 — Present

   Managed, led and developed a high performing team driving credit policy, pricing governance, and risk strategy across $30M in annual consumer loans spanning 600+ retail branches (Check ’n Go, Allied Cash Advance, Cash Store) alongside the Xact online platform, supporting profitable growth.Led policy acquisition integration for Cottonwood: onboarded 181 branches, absorbed $32.6M in receivables and active accounts; standardized underwriting and pricing to stabilize performance and ensure compliance.Built a centralized analytics and governance framework, automated decision engine workflows and reporting with Python/Tableau, cutting time to market for risk setting changes by 80% and reporting turnaround by 30%, improving profitability and control.Shifted the organization to proactive, insight driven strategy via multi year forecasting models and executive dashboards; strengthened cross functional alignment across Compliance, IT, and Finance.Scaled a high-performing analytics team by 40%, creating leadership development programs to strengthen organizational succession planning. Provided guidance around size, scope, internal, and third-party requirements to ensure the accuracy of IT implementations by driving acceptance criteria of analytic requests. Managed large datasets to identify analyze, and validate analytic change requests; investigated and troubleshoot production issues.Effectively managed a remote team while balancing an increase in the team’s responsibilities of 15% year-over-year.Collaborated with regulators and partners to ensure compliance with federal, state, and network rules, driving enterprise risk strategies and supporting rapid product growth implementing an audit request library for future audits.Restructured credit policy across lines of business ensuring a better simplified structure to maintain credit risk.

Education

• University of Houston-Downtown

  Bachelor of Business Administration - BBA