Kurtis Lessig

Actively consulting on numerous banking projects across multiple countries in Europe. Specific emphasis on helping organizations increase their market share, revenue, and overall effectiveness/efficiency.

Responsible for the prioritization and execution of numerous credit risk mitigation and revenue generation initiatives on the Spanish Card portfolio designed to mitigate further portfolio losses given extreme deterioration in macroeconomic conditions.

Responsible for all major operating areas of the Spanish credit card/loan portfolio including new account underwriting, customer service, fraud/risk mitigation, and collections. Managed a total staff of over 300 associates and supervisors.

Responsible for the prioritization, development, implementation, and monitoring of all major credit risk strategy areas on the UK/Irish card and loan portfolios including acquisition auto decision, automated line increases/decreases, point-of-sale authorizations, early stage collections, scorecard/credit bureau monitoring, marketing stimulation, portfolio acquisition, and upward pricing and promo eligibility credit risk criteria. Oversaw a total staff of 26 managers and business analysts.

Responsible for the development, implementation, and monitoring of all core credit policy criteria during the start-up phase of the credit card operations in Spain. Role also oversaw revenue growth initiatives including fee and the market’s first upward pricing programs.

Numerous credit risk strategy management positions held on the US card product during a period of significant growth. Managed areas across the entire product life-cycle including new account acquisition strategies, existing account (including portfolio acquisition) balance stimulation strategies, existing account risk mitigation strategies, fraud/point-of-sale authorization strategies and onsite portfolio acquisition management