A Senior Business Professional with demonstrated expertise in Risk Management and Marketing Analysis within financial services and the retail market place. Entrepreneurial-minded, with a forward-thinking attitude that develops opportunities across the business by stepping beyond the role to drive new and existing growth prospects in a results oriented environment.

Head of Customer Credit and Pricing Optimization @ Building credit and pricing strategy for personal lending and credit cards. From May 2014 to Present (1 year 8 months) Toronto, Canada AreaDirector @ Consulting clients on how to achieve their profit, share and growth goals through the activation practical strategies that have a core focus in pricing, trade and media investment, and/or assortment. With experience in client engagement in trade planning and category management. From March 2010 to Present (5 years 10 months) Toronto, Canada AreaTeam Lead @ Delivered marketing and credit risk insight to commercial and consumer banking, and retail market clients. Provided portfolio-level modeling and strategy analysis for international clients focused on growth and cost containment. Built and managed a team of up to 12 staff. Delivered over 300 strategic initiatives with focus on regional, national and international markets with the with the marketing, and consumer and corporate risk spaces. From October 2006 to February 2010 (3 years 5 months) Toronto, Canada AreaSenior Credit Risk Manager @ Responsible for credit risk analysis, strategy, forecasting and policy across multiple consumer finance product lines. Managed the enterprise-wide implementation of Basel II for credit risk and operations management. Responsibility for the training and development of four analysts and one manager. From 2001 to 2006 (5 years) Credit Risk Manager, Account Management @ Product: Credit Card Duties: - Credit Line and Authorization management - Credit Risk liaison for Marketing's acquisition and retention programs - Model adjudication (internal & external) - Data warehouse advisory and testing team member - Lending policy guidance From 1999 to 2001 (2 years) Senior Forecasting Analyst @ Product: Fixed Term Investments Duties: - Created monthly reporting package for Senior Management - Built annual portfolio growth forecast - Tracked changes to sales and submitted forecast revisions - Mined data for adhoc queries From 1999 to 1999 (less than a year) Credit Risk Analyst @ Product: MasterCard Duties: - Developed acquisition and line-assignments strategies - Assisted in the development of acquisition and behavioural models - Audited and implemented in-house and third-party models - Responsible for monthly reporting package - Constructed and audited quarterly Senior Management reporting From 1997 to 1999 (2 years) Econometrician @ - Reported to the Director of International Consulting - Built risk models to assess the credit worthiness of SMEs - Assisted Sales Leaders with client presentations From 1996 to 1997 (1 year) Research Assistant @ - Research topics: labour economics and economic indicators - Statistician for regional economic development committee - Assisted with tutorials and examinations in macro-econ & stats From September 1994 to April 1996 (1 year 8 months) Statistian @ - Analyzed and mined databases for the for policy managers - Co-op while doing MA in Economics From April 1995 to December 1995 (9 months) Statistian @ - Complied statistics on regional labour market for Head Economist - Assisted in the construction and layout of official publications From 1993 to 1994 (1 year)

MA, Business Economics and Administration @ Wilfrid Laurier University From 1994 to 1996 HBA, Economics @ Laurentian University/Université Laurentienne From 1988 to 1992 Joe Wansbrough is skilled in: Inter-Cultural Proficiencies, Research Focused, P&L Responsibilities, Professional Manager, Credit Risk, Team Management, Banking, Risk, Analysis, Research, Retail, Segmentation, Analytics, Credit, Credit Cards