Joe Challis
Credit Risk at Nelo
New York, New York, United States
Summary
🤩
Rockstar🎓
Top SchoolJoe Challis is a credit and analytics professional with a decade of experience building data-driven lending strategies across large banks and fintech, currently shaping consumer credit at Nelo in Latin America. He combines deep credit-risk acumen with hands-on analytics—designing pricing and collections strategies that drove millions in loss savings and scalable SQL/Python processes that improved thousands of member outcomes. Prior roles at Capital One and Tally show a track record of automating complex reporting, improving acquisition forecasts, and turning analytics into operational policy. Unusually for a credit practitioner, he also contributes to low-level embedded firmware in the QMK ecosystem, demonstrating technical breadth from hardware-level programming to portfolio analytics. Educated in Finance and IT at UVa with international study in Rotterdam, he blends financial rigor, product collaboration, and a continual learning mindset to deliver pragmatic, measurable impact.
10 years of coding experience
4 years of employment as a software developer
Business Administration and Management, General, Business Administration and Management, General at Erasmus University RotterdamBachelor of Science, Commerce, concentrating in Finance and IT; Minor in Economics, Bachelor of Science, Commerce, concentrating in Finance and IT; Minor in Economics at University of Virginia
English, Spanish
Stackoverflow
1reputation
0reached
0answers
0questions
Github Skills (20)
firmware10
c1110
c1710
i2c10
gpio10
low-level-programming10
sys10
embedded10
hardware-interface9
atmel9
gnu-make9
c-language9
integrations9
build-system9
system-integration9
Programming languages (13)
Github contributions (5)
qmk/qmk_firmware
Dec 2018 - Jan 2023
Open-source keyboard firmware for Atmel AVR and Arm USB families
Role in this project:
Embedded Systems Engineer
Embedded Systems EngineerContributions:4868 reviews, 986 commits, 4151 PRs in 4 years 2 months
Contributions summary:Joe's contributions focused on modifying and extending the open-source keyboard firmware for Atmel AVR and Arm USB families, specifically within the QMK firmware repository. Their work involved implementing low-level wait logic functions for ChibiOS, refactoring and updating existing functions, and preparing the code for a new bootloader. Further, they were also involved in fixing issues relating to the automatic generation of certain source files and identifying compilation errors.
rp2040firmwareavratmelkeyboard-support
vial-kb/vial-qmk
Nov 2022 - Nov 2022
QMK fork with Vial-specific features.
Role in this project:Embedded Systems Engineer
Embedded Systems EngineerContributions:1 commit, 1 PR, 1 comment in 1 day
Contributions summary:Joe has been actively involved in developing and maintaining the QMK Firmware, a fork of QMK with features specific to the Vial ecosystem. Their contributions primarily involved refactoring the code, moving GPIO wait logic, and implementing a new firmware for the Forever65, indicating expertise in embedded systems and low-level programming. Furthermore, the user demonstrated skills in hardware interaction, as evident by the implementation of GPIO abstraction for the atsam platform, and the integration of I2C drivers.
vialqmkandroid
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