I convert financial, customer, and operational complexity into profitable growth — pricing architecture, trade investment, margin recovery, and forecasting across CPG and retail, actuarial pricing in healthcare, consumer lending, and the everyday money math people actually live by.
14 years across value creation, revenue growth management, actuarial pricing, and corporate finance at PepsiCo, JCPenney, Willis Towers Watson, and Blue Cross Blue Shield — including 10 years of P&L, management, and owner-operator leadership · B.S. Mathematics (Cum Laude), Texas Woman's University, with advanced actuarial science coursework at UT Dallas.
I'm an actuarial-trained value creation and analytics leader based in Dallas, Texas, with a B.S. in Mathematics (Cum Laude) from Texas Woman's University — including advanced actuarial science coursework at UT Dallas — and 14 years spent turning messy data into decisions leadership can act on, including 10 years owning P&Ls, leading teams, and running a business of my own.
My work runs the full width of finance: pricing health-insurance plans as an actuarial analytics consultant at Blue Cross Blue Shield, leading revenue growth management — trade budgets, pricing architecture, and promotional strategy — at PepsiCo, where I traced and closed a multi-year margin leak, engineering the pricing overhaul that drove a $50M profit swing at JCPenney while leading a team of data scientists and analysts, and — as founder and owner-operator of CG Holdings — running a full P&L while personally underwriting 400+ consumer lending applications.
That actuarial grounding is why everyday money tools matter to me. I've sat on both sides of a loan decision and a monthly payment. I know what's really behind an APR, a take-home number, and a budget that has to survive a bad month.
From full-P&L value creation and actuarial pricing models to the math behind a household budget — the same discipline, applied at every scale.
Full-P&L opportunity assessment, pricing architecture and price realization, trade investment, discounts and rebates, cost-to-serve, and the governance and controls that expose margin leakage and keep it closed.
Actuarial pricing models, underwriting and reserving, ICD/CPT-coded claims analysis, and cost-benefit and IBNR studies for health plans at Fortune 50 scale.
Trade and promotional strategy, pricing guardrails by brand and pack size, price elasticity, and mix and margin optimization — the discipline behind a $50M profit lift, 110% revenue growth on a key account, and back-to-back Founders Awards.
Financial models, annual operating plans, variance analysis, predictive models in SAS and Python, and forecasting that holds up when the market gets volatile — with C-suite-ready insight that ties numbers to strategy.
Credit-scoring models and 400+ lending decisions made under real underwriting policies — practical insight into how borrowing actually works.
Board member of the East African Chamber of Commerce Financial Advisory Committee, advising small-business owners on strategic financial planning — plus reviewing consumer money tools for accuracy and plain-English clarity.
Short proof points that show the business problem, the analytical approach, and the measurable result.
Standardized how national customer teams decide when a promotion earns its return and when full-price velocity should hold.
Traced a deduction problem to its root cause and fixed the control instead of disputing deductions after the fact.
Used local-market pricing and promotional analytics to turn trade spend into measurable growth.
Owned the entire P&L of an automotive retail business — pricing, inventory, forecasting, lending, and marketing — with no inherited analytics or budget backstop.
Converted pricing complexity into a clearer, more profitable operating structure.
Translated complex healthcare data into pricing, utilization, and client-facing recommendations.
Lead enterprise analytics transformation across PepsiCo Foods North America national customer teams. Built the cross-functional Promo Playbook, set pricing guardrails by brand and pack size, and scaled executive dashboards with year-over-year unit and velocity reporting that isolates true promotional impact from baseline demand.
Owned the multimillion-dollar Albertsons trade P&L end to end — growing revenue 110% year-over-year and lifting market share 132 basis points. Traced a multi-year margin leak (deductions at 3% of trade value versus a sub-1% norm) to its root cause, redesigned the audit control, and recovered $250K annually. Delivered 99% budgeting accuracy and led Annual Operating Plan work across Finance, Sales, and Operations.
Built and ran an automotive retail business end to end — pricing, inventory strategy, forecasting, supply chain, HR, and marketing — growing profit 15%, revenue 10%, and inventory turnover 15%, including through the 2020 market shock. Underwrote 400+ consumer lending applications under the policies of multiple financial institutions.
Rebuilt pricing compliance as a profitability system, generating a verified $50M profit lift and a 12% sales lift and earning the Founders Award in 2017 and 2018. Modernized the data architecture with a Big Data warehouse and BI platform, improving reporting speed and accuracy 50%. Led and mentored 2 data scientists and 4 business analysts to a 100% project success rate.
Built cost and business cases for Fortune 50 clients — cost and utilization studies on ICD/CPT-coded claims data, premium-equivalent rates, contribution strategy, and liability forecasts under uncertainty. Vendor-fit and procurement recommendations lifted employee satisfaction and retention 10%.
Built pricing, underwriting, reserving, and forecasting models in SAS from ICD/CPT-coded claims experience, driving 15% sales growth for group health products through data-driven value stories and pre-sale analytics. Reengineered claims and utilization reporting logic that had misstated pricing drivers.
As CheckMyPayment’s finance reviewer, I help ensure the site’s calculators and consumer finance guides are grounded in accurate math, practical lending knowledge, and plain-English explanations people can actually use.
My job is simple: make sure the math is right and the explanations are honest before anyone trusts them with a real money decision.
Visit CheckMyPayment →Open to value creation, finance, and analytics conversations, advisory work, and collaboration.
Dallas, Texas · [email protected]