Zach Statham

Manager, Risk Modeling Credit @Credigy

Atlanta, GA, US

Manage a team of data scientists responsible for maintaining a model inventory of 20+ models across asset classes of Unsecured Consumer Finance, Mortgage (1st & 2nd Liens), Small Business MCAs (merchant cash advances), and Point of Sale Lending BNPL (buy now, pay later)- Responsible for overseeing model development, implementation, documentation, performance tracking, and defending the models/process to third-party audits- Led the initiative to design an automated scoring process for HELOC (home equity line of credit) where the business was able to drop a CSV file in a share folder and receive an automated email with data quality checks, input distribution plots, model scores, and loan level cash flow projections- Review the credit policy, underwriting, and model development process of third-party platforms to make recommendations to senior leadership based on comparison to similar asset platforms and internal models built off third-party data before investment- Championed a cross-departmental project to establish a model governance process best practice that weighted current internal business processes and followed regulator guidelines.

San Diego State University-California State University

Master in Science, Statistics

Kennesaw State University

BBA in Finance, Finance