Michael Agre, Risk Analytics Leader.

Michael is well versed in risk and business analytics. He was the Credit Risk Manager for a team of three analysts, who collectively oversaw the acquisition underwriting strategy for multiple products. This included a personal credit card and point-of-sale financing. He regularly performed complex analytics for Sprint senior vice presidents and was relied upon heavily to make hugely impactful strategy suggestions. He generated entire underwriting strategies from nothing for multiple products.

He also wrote business requirements for an online credit card application, starting with a blank word document. Finally, he helped design a direct mail pre-approval process, including mapping process flows, negotiating prices with vendors, and signing contracts with external vendors.

Currently, Michael works remotely as a Risk Manager at Genesis Financial Solutions where he manages the automated underwriting strategy for Signet Jewelers private label credit card. In only the first few months, Michael has found over two dozen bugs which have increased sales by over 5% without increasing risk. He has also fully re-optimized scorecard cutoffs, decreasing long-term delinquency by up to 10% with equal sales.

Michael is just as comfortable in aligning low-level technical details as he is in high-level strategy meetings. He has acted as an intermediary between the business teams and IT teams for countless large-scale projects. Also, he is usually the business owner for new feature testing

He is an expert-level user of SQL, Tableau, and Excel with intermediate knowledge of python and R. He was responsible for a 10,000+ line Java program which performed fully automated underwriting for both credit cards and point-of-sale financing. This included manually coding Java, managing the development lifecycle, testing changes, and giving final approval for production deployments.

Finally, Michael is an amateur web developer (including this website and more to follow). This includes back-end and front-end development. While he is not pursuing this as a career, he believes it is a critical skill in 21st century business.

Michael is an accomplished academic with 99.9th percentile perfect score on ACT, 99th percentile score on SAT, and placement in 98th percentile of prospective MBA students on GMAT. He passed the Society of Actuaries P exam with near-perfect score of 9 and is a certified Six Sigma Yellow Belt.

He graduated Magna Cum Laude from the University of Missouri in Kansas City Master of Business Administration program in December 2019 with 3.96 GPA. He is a Mathematics and Economics double major from University of Kansas with 24 graduate level credit hours and full academic scholarship.

Michael has worked regularly with people from a wide variety of cultures including the Czech Republic, China, India, Vietnam, Russia, Indonesia, and others. He has been to the Czech Republic twice and Vietnam once to share institutional knowledge and receive awards (including the accompanying picture). He is also well-versed in the American immigration processes, having written H-1B job descriptions and task lists on multiple occasions, all resulting in approvals without request for evidence.

Michael was born and raised in the Kansas City area, but now onws a home in Charlotte, North Carolina. He lives with his wife, Monika, and two dogs, Sparky and Teddy. In his free time, he likes to read history and enjoys making home improvements. He is an avid sports gambler and fantasy sports commissioner. He is a Christian and celebrates all cultures, including his wife's Hindu traditions.