Nelson Adler Barringer
Richardson, TX
nb@nelsonbarringer.com | www.linkedin.com/in/nelsonbarringer/
SUMMARY
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.
CORE COMPETENCIES:
| • Credit Policy Leadership | • Risk-Based Pricing Strategy | • Fintech Product Development |
| • Data Analytics & Modeling Governance | • Regulatory Compliance (OCC, SR11-7, Reg B, Reg Z, FCRA) | • Credit Risk Strategy & Underwriting (Consumer & B2B) |
| • Portfolio Optimization | • Strategic Partnerships | • Cross-Functional Leadership |
| • Decisioning & Fraud Systems | • Agile Process Improvement | • Audit & Governance Oversight |
SOFTWARE / TOOLS
- Analytics & Modeling: Python, SAS, SQL
- Visualization: Tableau, Power BI
- Risk & Credit Platforms: FICO Decision Management Suite, Moody’s Analytics
- Data Engineering: MongoDB, SQL, Snowflake, Snowflake Snowsight, AWS
- Collaboration & Productivity: Monday, Jira, Slack, Microsoft 365
- Compliance & Reporting: RedKnot, Sharepoint
WORK EXPERIENCE
CNG Holdings, Inc. 2022-Present
Credit Policy Senior Manager — Cincinnati, OH (Remote) (2022 – Present)
Led and developed a high-performing remote analyst team, driving pricing strategy and governance initiatives. Researched, developed, and implemented competitive pricing programs, products, and services for multiple products to appropriately price based on risk, deposit, or credit goals while maintaining profitability.
Accountable for underwriting policy and procedures, bureau reporting, integration of scoring/strategy changes into decision engine and/or application flow, and aiding legal and compliance. Lead initiatives to incorporate new sources of data or processes to optimize underwriting and application flows.
Provide guidance around size, scope, internal, and third-party requirements to ensure the accuracy of IT implementations by driving acceptance criteria of analytic requests. Manage large datasets to identify credit attributes; collect, analyze, and validate analytic change requests; investigate and troubleshoot production issues.
- Built cross-functional partnerships to align modeling, pricing, and governance strategies across the enterprise.
- Utilizing Python, automated a complete manual process resulting in decision engine optimization for creating, testing, implementing, and validating risk-based credit settings, resulting in an enterprise-wide impact reducing the time to market and increasing profitability.
- Developed Python-based automation and Tableau dashboards to monitor risk trends and compliance performance, ensuring all credit changes are performed as desired and identifying potential issues as they arose.
- Collaborated with regulators and financial partners to ensure compliance with evolving federal, state, and network rules, driving enterprise risk strategies and supporting rapid product growth.
- Developed and owned risk pricing policy and procedures, ensuring business practices are in line with state and federal law. Restructured policy to ensure a better structure to maintain credit risk.
- Successfully launched a new product utilizing alternative bureau data, generating a significant increase in loan generation for the company.
- Increased the size and successfully managed a team while balancing an increase in the team’s responsibilities.
Santander Consumer, USA 2009-2022
Manager, Pricing and Modeling Policy and Governance — Dallas, TX (2016 – 2022)
Managed multiple pricing and modeling analysts as direct reports remotely. Researched, developed, and implemented competitive pricing programs, products, and services for various lines of business to appropriately price based on risk, deposit, or credit goals while maintaining profitability.
- Established relationships across business units to ensure collaboration and buy-in at all levels of the organization, resulting in an enterprise-wide approach to modeling, pricing, and governance.
- Selected by leadership to participate in the first mentor/mentee program, providing professional career development and career advancement for peers, team members, and managers.
- Provided governance oversight and guidance on Pricing Strategy and Originations Modeling for obtaining policy research and changes, successful pricing executions, and completed model validations while maintaining artifacts for audibility.
- Developed and maintained policy and procedures for the risk modeling governance process for the development of multiple first-line financial tools.
- Executed policy and procedures for governance of the pricing process,ensuring complete, consistent, and accurate capturing and reporting.
- Executed guidance and feedback as well as managed internal and external audits through annual completions.
Manager, Technical Writing Risk Governance, and Pricing (DS) — Dallas, TX (2014 – 2016)
Managed a technical writing team creating Model and Risk documentation successfully validating analytical tools for business usage. Directed the day-to-day operations and overall project management, distributing the workload amongst staff while ensuring motivation and performance levels.
- Recruited, interviewed, hired, trained, and managed a team of technical writers, resulting in creating a high-performing team with the ability to adapt to changing priorities.
- Mitigated Federal Reserve concerns regarding model and forecasting tools through validation processes in the first line of defense for the department.
- Presented future pricing change requests to high-level decision-makers for insight and approval.
- Coached team members and peers on improving presentation and interpersonal skills, ensuring that the intended message and technical data were communicated clearly.
- Produced analysis in population identification for a marketing prescreening program, creating SAS custom coded process to evaluate complex datasets.
- Implemented a custom workflow that expedited model documentation creation, formally ensuring a checks and balances system in place for all necessary stakeholders.
Technical Writer (Decision Sciences) — Dallas, TX (2013 – 2014)
Implemented and influenced technical writing practices to improve the quality of existing documentation and ensured standards of technical excellence are met.
- Promoted in under a year to Manager based upon my management skills, effective communication skills, and ability to implement solutions that ensured compliance.
- Established a model validation framework, including program layout, training, documentation, policy, and procedure.
- Initiated a quarterly review based on SR11-7 /OCC2011-12 for stakeholders, ensuring quality standards exceeded federally mandated guidelines.
- Improved and maintained Model Library and documentation process via development of SharePoint solutions.
Business Systems Analyst (IT) — Dallas, TX (2012 – 2013)
Implemented and maintained all scoring, pricing, and credit policy changes within the originations system, utilizing internally developed proprietary software tools for Decision Sciences and Operations Research. Performed analysis on scorecard changes and additional application channels.
Promoted in under a year to Manager based upon my management skills, effective communication skills, and ability to implement solutions that ensured compliance.
Established a model validation framework, including program layout, training, documentation, policy, and procedure.
Initiated a quarterly review based on SR11-7 /OCC2011-12 for stakeholders, ensuring quality standards exceeded federally mandated guidelines.
Improved and maintained Model Library and documentation process via development of SharePoint solutions.
Additional Relevant Work Experience
Santander Consumer, USA Application Support Engineer (IT) — Dallas, TX (2010-2012)
Santander Consumer, USA Helpdesk Escalation Engineer (Information Technology), Dallas, TX (2009-2010)
EDUCATION
- Bachelor of Business Administration University of Houston – Downtown, Houston, Texas
HONORS AND AWARDS
- SC Success Award Winner
VOLUNTEERING
- Cub Scout Den Leader, Boy Scouts of America: Circle Ten Council