|| Getting into the 2019 ACC Class

23. Getting into the 2019 ACC class

• Advanced credit college presents the leadership of structured thinking and structured communication.  

• 1) deposit pricing and servicing decisions 2) education of decision sciences in the operations area 2) forecast model integrity
• It is set in a heavy credit environment as most of the consumer credit products do risk-based pricing.  I would like to think that deposit pricing could use a similar line of self-interrogation and integrity only that the credit losses are expanding into all costs which also include operating resource costs (branches) and operating losses

• I recently learned Erlang C model of the call center model that gives the insight that changing service level is not strong leverage in cost savings but has outsized risks with the only a small amount of staffing decreases

• We recently had a forecast power day.  The various forecast approach, regression testing, has the opportunity of instituting consistency and standards

• Long term career - 1) I do feel committed to the bank because of the unfinished businesses, the desire to create a legacy of a new forecast system and a new forecast community for the above reasons.  2) I am less interested in the detailed marketing campaigns that modify the creatives, the plastics.  What's best of the use of my experiences, the knowledge of many consumer financial product plus the enhanced training of structured thinking, would be a strategic development for a certain deal, for a certain customer segment or for a policy development, which involves credit and/or value creation