Dennis Carlson joined Equivico as Chief Risk Officer following three years of collaboration and 25 years of success in credit risk management, data science, and analytics. Prior to Equivico, he served as Head of Risk at Credibility Capital, a low-cost financing online lender, Head of consumer and Small Business Credit at Verizon, and Director of Quantitative Analytics and Modeling at American Express.

At Credibility, Dennis built and led the online lender’s quantitative risk modeling and underwriting operations that resulted in strong, above market, credit performance. At Verizon, he oversaw the company’s smartphone finance portfolio and managed credit risk on nearly 25 million new loans annually totaling $24 billion.  Prior, he served as Deputy Chief Economist at Equifax and was a director at First Data Merchant Services, where he developed new statistical and analytical products for First Data’s customers.  Dennis began his career at American Express, where as Director of Quantitative Analytics and Modeling he developed, implemented, and maintained a suite of 100+ predictive customer response and affinity models.  Dennis graduated Valedictorian from the University of Florida with a B.S. in Mathematics and Statistics and studied post-grad at Cornell University.