FINTECH

During my time as Director of Reporting at Orchard Platform, I developed an algorithm to help our client (Kabbage) optimize their leverage facilities. To that end, we pledged their small business loans as collateral to multiple credit facilities while maintaining portfolio characteristics. Each credit facility had their own unique set of criteria (20-40 criterion) that the pledged loans as a whole had to conform to. Some example criteria include:

• The minimum average FICO score of the borrower must be above 640

• No more than 10% of the portfolio can be more than 60 days past due

• Only the first $150,000 from any given borrower can be used as collateral

• Concentration from any one state cannot exceed 15%

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Our system evaluated the current pledged loans in each facility and ensured all the criteria were satisfied. Then the system would assess the new loans and determine where they could go while still conforming to all of the criteria. Lastly, the system would generate borrowing base reports and tag loan IDs for processing on any day that Kabbage would draw upon their credit line. This became our biggest source of revenue and Kabbage later acquired Orchard Platform in this partnership.

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At Kabbage, I became Head of Reporting & BI, in charge of all things reporting for the company. We overhauled their existing reporting systems to be fully automated and developed dashboards in Tableau so that each department were able to gain quick insights into how their sector of the business was performing.  Kabbage was eventually acquired by American Express in September 2020.