1. Karyn Lentz
320 Lexington Ln
Euless, TX76039 klf16419@gmail.com 817-915-9586 cell
Objective - Accomplished Risk Manager seeking to leverage extensive experience in scorecard/modeldevelopment and
validation, strategydesignandimplementation, anddecisionsystems programming
- Relocating to Dallas/Fort Wortharea late 2016
Professional - Proven record of delivering significant quantitative results byapplyingeffective leadership
Summary and project management skills
- Successfully advise and consult with individuals throughout all levels of the organization, including senior
executives
- Broad exposure in applying quantitative and statistical solutions to solve business problems
- Expertise in developing risk models and strategies for consumers with limited credit experience using
alternative data sources
- Extensive experience in developing scorecards and models, including Originations, Collections, Fraud and
PD/LGD
- In-depth knowledge of consumer auto finance industry, including both the originations and servicing
environments, risk management, scorecard development and implementation, pricing, and portfolio
analysis andforecasting
- Extensive experience designing and managing strategies, models and policies in Originations and Servicing
decisionsystems
Experience Southern Auto Finance Company Ft. Lauderdale, FL 2014-current
SVP, Risk Management
 Development andimplement originations segments, scorecards, credit policies and pricing
Develop and evaluate strategies using alternative data sources as well as traditional credit bureau
data sources, including solutions for large consumer base with limitedcredit history
 Partner withServicingto developeffective and efficient strategies, including delayedentrydialer
strategies, earlydefault strategies, and skiprecoverystrategies using alternative data sources
 Forecast and stress test static pool losses, incorporating external information as needed
Exeter Finance Corp Irving, TX 2012-2014
Executive Vice President, Risk Management and Chief Credit Officer (2014)
• Set and administer pricingandcredit parameters
• DevelopScorecards for Originations andCollections
• Establishmeaningful controlsaroundcredit originations practices
• Oversee lossforecastingprocess
• Oversee model validation and stress testing
• Key accomplishment - played a central role in the design and implementation of a state -of-the-art
Loan Originations System designed to provide efficient and consistent application decisions basedon
a series of automated proprietary risk models (using both traditional and alternative data), business
rules, and pricing optimization. System reduced decision response time from an average of 30
minutes to 10 seconds, and resulted inan18% increase inbookedloans.
Senior Vice President, Risk Management (2013-2014)
Vice President, Risk Management (2012-2013)
• Manage credit risk throughthe design andimplementationof credit andpricing policyandstrategies
• Lead designand development of scorecards andother riskmodels
• Collaborate withpartners both external and internal to achieve corporate goals
• Contributedsignificantlyto the designandsuccessful implementationof a new LOS

2. • Championedautodecisioning to achieve efficiencygains andincreasedvolume in operations
• Designedcredit andpricing programs for partnership channels
JavelinDirect/Enterprise Spectrum Irving, TX 2010-2012
Senior Director, Analytics
• Direct teaminproviding analytics andreporting for clients
Consult with clients andprovide strategic direction
• Ensure highlevel ofaccuracyandqualityfor analysis and reports deliveredto clients
One Technologies Dallas, TX 2009-2010
Senior Consumer Analytics Manager
• Directed team in developing statistical models to identify potential fraud and to predict which
customers willlikelycancel after signing upfor anonline product
• Definedstrategies for using the models
• Ensured that models andstrategieswere correctlyimplemented
Advisedteamon statistical methodologyand business strategy
Triad Financial Services North Richland Hills,TX 2007-2009
Senior Risk Manager
• Directed staffin providing analytical solutions to the Originations andServicingorganization
• Providedmonthlydelinquencyandlossforecasts and monitoredportfolio performance
• Led the development of originations andcollections segmentations andscorecards
Developed, tested and implemented dialerstrategies to improve the efficiency and effectiveness of
collections resources
Developed a repossession prioritization system to be used as a guide to assist collections
representatives inidentifying customers most likely to default
AmeriCredit Financial Services Ft. Worth, TX 1996-2007
Vice President Portfolio Analytics
2003 – 2007
 Led a team of portfolioanalysts andstatisticians indeveloping and providingsolutions for the
servicing organization, includingCollections, Customer Service, Loss Recovery, Bankruptcyand Asset
Remarketing
 Consultedwithbusiness leaders to identifyneeds, proposedsolutions to meet those needs, and
allocated resources to achieve project objectives
 Investigated, evaluated, & implemented advanced analytic methods andtools
Improvedefficiencies incollections throughthe development and testing of dialer strategies
 Coordinated a company-wide initiative to enhance the existing deferment program by
implementing deferment scorecards, defining policies, and centralizing relevant data
 Directed the development and implementation of a system of scorecards designed to predict the
likelihood of customer payment after a deferment. The new system effectively increased
eligibilitywhile reducingthe riskof nonpayment.
 Selected to be one of eleven participants on an executive -sponsored cross-departmental team
designed to research an issue of importance to the company while providing leadership
development andexecutive-level exposure opportunities
Vice President Risk Management
2000 – 2003
 Led a team of modelers inthe development and implementation of predictive modelsand
scorecards for all phases ofthe customer life cycle
• Conducted and directed research activities to identify consumer credit trends, to define new
characteristics, andto uncover newsegmentationopportunities
Trained staff in data mining, predictive modeling, segmentation analysis, and scorecard
development andimplementation

3. • Collaborated with the Originations organization to identify strategies based on acquisition
scorecards anda repeat customer scorecard
• Developed and implemented two generations of acquisition custom scorecards that improved credit
qualityandreducedrepossessionandbankruptcylosses
• Directed the development and validation of a system of 5 segmented behavior scorecards to be used
for collections management activities for a $10 billion portfolio
• Facilitated the transition to monthly bureau data for active accounts from quarterly bureau data,
therebysaving the company $100k, securing 55 additional characteristics for research and modeling,
and reducing the time to deliveryfrom 6 weeks to 10 days
Assistant Vice President Risk Management
1998-2000
• Developedand implemented predictive models to improve credit qualityandreduce losses
• Directed staffresearch inpredictive modeling and data mining
• Identifiedsegmentationlogic to capitalize onbank"pass-through" business
• Developed a system of segmented models to predict the probability of default foraccounts at least
12 months onbooks
• Implemented a statistically-based Bureau Preference Table to ensure the "best" bureau is pulled at
branches nation-wide
Senior Scoring Analyst
1996-1998
Developedand implemented scorecards to target unique segments of the applicant population
• Conductedstatistical analysis to support acquisition strategies
• Recommended specific scenarios where highside overrides were counterproductive, using text
mining of override comment fields to identify categories and neural network modeling to predict
performance inthose categories
Texas Tech University Lubbock, Texas 1992-1996
Lecturer,ISQS Department, College of Business Administration
Planned an alternative curriculum for intro to Business Statistics course using a learn-by-doing
approach
 Taught statistics courses inthe College of Business Administration
Miles Diagnostics,Inc. Elkhart, Indiana 1990-1991
Senior Associate QA Development Scientist
 Developeda SAS-basedinteractive program for QualityAssurance Development andOperation
Scientists to analyze Glucometer test data
 Determinedproduct shelf-lives using stabilitytesting methods Providedanalytical support to the
QA Development team
TEAMS, Inc. Dallas, Texas 1989-1990
Statistician
AnalyzedPhase Ill clinical trial data for pharmaceutical companyclients
 Collaboratedwithclients regarding project specifications
 Prepared final documentation summarizing the analysis of drug efficacy and adverse effects testing
for client presentationto the FDA
Education
Texas TechUniversity Lubbock, Texas 1992-1996
 M.S. Statistics
 Completed all doctoral coursework, qualifyingexams andpreliminarydissertation researchtowards
a Ph.D.
Southern Methodist Dallas, Texas 1983-1989

4.  M.S. Statistics, 1989
 B.S. Mathematical Sciences, 1987
Software Skills SAS (including SQL andEM), Knowledge Seeker/Studio, MySQL, MS Office Suite