Summary
Ben Branchflower is a data scientist and analytics manager with eight years of experience building, deploying, and optimizing credit decision models and BNPL decisioning systems that materially reduced bad debt. Based in Salt Lake City, he combines strong statistical theory and causal inference skills with hands-on machine learning (including XGBoost) to design experiments in incrementality and spend optimization for marketing. He has led cross-functional initiatives to automate financial reporting, implemented early-stage fraud monitoring and cashflow forecasting that improved variance estimates, and mentored junior analysts and interns. Ben’s background in academic research and NLP on large bankruptcy datasets gives him a rare lens into subprime credit dynamics and uncovered hidden debt patterns, informing robust, real-world credit product design.
8 years of coding experience
7 years of employment as a software developer
Bachelor's degree, Economics, Bachelor's degree, Economics at Brigham Young University
French