Megan McDonell

Promoted to take ownership of end-to-end strategy implementation for all installment loan products: Unsecured Personal Loan, Home Secured Loan, and Vehicle Equity Loan ▪ Collaborated with cross-functional teams to launch the Vehicle Equity Loan product, integrating it with third-party platforms to streamline acquisition and improve user experience ▪ Shepherded digital transformation initiatives, including system redesign and AI-enhanced underwriting logic ▪ Expanded Vehicle Equity Loan to include a cash-out refinance option, capturing a more extensive market

Responsible for implementing credit strategy changes for Unsecured Personal Loan, Best Egg’s most significant product. Led a team of two to ensure thorough UAT and PVT were completed before the release of system updates. Collaborated closely with Credit Strategy to assist in the development of effective strategies. ▪ Shepherded transition to Airtable change request system, including securing buy-in from Strategy and Decision Services and implementing automation to eliminate manual work effort ▪ Coordinated with Capital Markets team to run A/B tests related to origination fees, from designing test structure to generating reporting on results ▪ Provided detailed loan tape to funding partner Cross River Bank to comply with FDIC Fair Lending audit and consent order requirements

Promoted to oversee all Business Intelligence functions, from analytics to application development. Lead a team of seven (7) to run ad hoc analyses, build out reporting, and automate processes. Uncover new ways to leverage business intelligence to save time, reduce costs, and increase revenue. • Supervised automation of Verified Place of Employment program, developed necessary table structure and directed creation of processes to automatically generate placement files and ingest returned hit files • Managed preparation to ensure conformity with Regulation F balance itemization requirements increasing proportion of compliant inventory from 61% to 89% • Reworked the logic used to identify accounts requiring a 1099-C and to calculate the amount forgiven

Promoted to build out Analytics department and lead team of three (3) in monitoring and reporting on trends and servicer performance comparisons using in depth data analytics while leveraging business knowledge. Conduct deep dives to uncover root cause of anomalies. Create models and strategies to improve product segmentation, revenue and cost forecasting, and profitability. • Recreated analytics report internally, using R, vs. purchasing from vendor to save $40K annually (or $300 per report) • Hired and built high-performing team of two (2) Analysts and a Developer to expand analytical capabilities and automated processes, including a full suite of reports, using Python • Devised an algorithm to select the best consumer address on accounts with outdated contact info utilizing SQL Server and raw data from third-party data vendors; decreased wasted costs 30% • Slashed timeframe to clear accounts for legal placement from 7-days to 1-day by creating an SQL query to automatically review accounts for required documents • Decreased monthly manual worktime by 16-hours through performance scorecard automation using SQL Server Reporting • Built model in R to score accounts placed in legal, allowing a split-fee structure with lower rates on more value accounts, resulting in $1M in fee arbitrage after 24-months

Hired to collaborate with a cross-functional team of 13 in driving business decisions and strategy through formal reporting and tracking of portfolio performance over time and ad-hoc data requests. Created innovative solutions using historical data and storytelling to derive best route forward. • Developed statistical model in R to prioritize high value accounts for litigation and exclude unprofitable accounts for an estimated annual cost savings of $200K • Architected a Verified Place of Employment Program utilizing vendors to acquire verified data, which increased collection revenue by $440K annualized • Created complete suite of internal reports, including three standalone reports used to analyze revenue, trending time to milestones, and favorable outcome rates and a legal status report for each of 18 legal servicers – Created line-of-sight into performance of legal network

Quickly promoted through the Analyst ranks with responsibility for increasing profitability through cost savings and/or revenue improvement strategies. Accountability included developing strategies for the entire organization by selecting and analyzing data from SQL Server. Hosted and participated in biweekly whiteboarding sessions with the statistics team as a thought leader. • Generated $574K in gross revenue in first 6-months by developing a new strategy for previously warehoused legal accounts • Improved server performance comparison capabilities by revamping the workflow for accounts enrolled with Debt Settlement Agencies • Used SQL Server and Excel to evaluate historical lawsuit performance to refine selection criteria, saving $120K over 12 months in costs while improving reputation with network of legal servicers • Manually managed ~50K accounts per month over 18-months and collaborated with Performance Directors and the Account Movement Team to minimize impact on servicer network due to strategy change • Cut query runtime 75% and captured additional revenue opportunities by rewriting query code • Sparked a 20% increase in portfolio liquidations • Oversaw the early phases of an asset procurement strategy now valued at $4M annually – located gaps in processes causing $100K in wasted costs annually

Expanded foundational business knowledge. Grew in ownership of a limited number of projects and ideas while cultivating intuition and relationships. • Evaluated historical suit performance to refine selection criteria, saving wasted costs and improving our reputation with our network of legal servicers • Manually managed the volume of accounts considered for suit each month when a change in strategy created a temporary dearth, collaborating with Performance Directors and the Account Movement Team to minimize impact on our servicer network

Built a foundation of data, business practices, strategies, segmentation, and communication to effectively manage aspects of projects, analysis, and reports. • Analyzed experiment results to ascertain the more profitable option between two competing strategies, resulting in a 20% increase in portfolio liquidations • Oversaw the early phases of an asset procurement strategy now valued at $4MM annually. Located gaps in the process that were resulting in wasted costs

Reviewed call recordings submitted by external servicers to ensure compliance with FDCPA, UDAAP, state laws, and RCS policies and procedures. • Placed consistently in the top two producers in monthly ranking of calls per hour since starting in production • Earned acknowledgement under the rolling three month recognition program • Selected to participate in multiple projects for special call types, including mortgage calls and American and Canadian pre-charge off calls • Assisted in the creation of new canned responses for calls from Shellpoint Mortgage Servicing • Provided training to colleagues on specialty call idiosyncrasies and audit templates.

Processed incoming checks for deposit into CDs and IRAs. Researched and corrected errors that had resulted in the General Ledger or the Proof Department being out of balance. Uploaded and updated documents on the team SharePoint site. • Discovered unused, existing functionality in the software program used to locate accounts when the checks did not include a full account number, cutting research time by two-thirds • Assisted in the implementation of new processes to facilitate closing of Columbia operations center

Processed agent applications for appointment, entering data into both the administrative and commission systems. • Completed training and moved to production in the first month; the normal training/probationary period was six months • Created test data for the implementation of a new “straight through” process, which transferred data from the administrative system into the commission system • Used Excel to create reports for management • Assisted in the implementation of new processes to facilitate closing of Greenville operations center

• Balanced vault, teller cash recycler, and personal drawer each day • Maintained ATM, processing deposits daily and replenishing and balancing weekly • Provided Spanish translation services

• Collected and verified completion of all necessary loan documents from clients. • Approved loans up to $1000. • Recorded transactions and printed checks using QuickBooks software, ensuring that everything was in balance at the end of each day. • Contacted delinquent clients to restructure payment schedules. • Initiated repossessions against severely delinquent clients, pursuant to all applicable laws and regulations.

• Managed a team of six sales associates Collaborated with Store Sales Manager on hiring decisions. • Established daily sales goals for the store and for each associate. • Coached associates on how to meet and exceed their personal goals. • Worked with CitiGroup to finance big ticket purchases for approved customers. • Handled customer returns, exchanges, and complaints while providing excellent customer service. • Sold more ‘big ticket’ items than any other sales associate.