1. A Career at the Intersection of Lending and Technology
Rick's experience spans senior leadership in credit risk, technology and lending operations. His background includes Chief Risk Officer at Lobel Financial, Founder and CEO of Lendisoft, and Chief Operations Officer and Chief Risk Officer at Crediauto Financial. Earlier, he spent more than 23 years at Consumer Portfolio Services, including serving as SVP of IT & Risk Management. Across these roles, he has connected technology strategy with credit performance, operational execution and business growth.
2. Automated Decisioning and Risk Technology
Automated Decisioning and Risk Technology
3. Where Rick Adds Value
Technology strategy and architecture; modernization roadmaps; automation and workflow redesign; practical AI strategy and implementation planning; automated underwriting and credit decisioning; scorecards and risk-based pricing; data analytics and management reporting; loan origination, servicing and collections systems; technology vendor evaluation; systems integration; and business continuity, disaster recovery and operational resilience.
4. Technology Across the Lending Lifecycle
Rick's value extends beyond choosing or implementing technology. His experience connects application intake, underwriting, decisioning, pricing and funding with servicing, collections, recovery and analytics. He helps organizations evaluate how technology changes decisions, workflows, staffing, customer experience, credit performance, collections effectiveness, risk and economics across the full lending lifecycle.
5. Automation and AI With an Operator's Perspective
Technology should solve business problems, not create complexity. Rick's approach focuses on opportunities to reduce manual work, improve decisions, strengthen controls, increase capacity and provide better management information. His background in automated decisioning, scorecards, analytics, systems development and operational implementation provides a practical foundation for evaluating AI opportunities. Technology decisions must also account for credit risk, compliance, data quality and business continuity.