Prior to joining ENGS, Mr. Carroll spent 15 years at Citibank managing credit risk and strategy for an array of domestic and international loan portfolios, including partnerships with many of the best known and largest names in the US commerce and transportation space. In addition to his large corporate relationships, Mr. Carroll also managed dealer-based portfolios, comprised of $2.5+ billion of aggregated dealer-originated receivables. Most recently he was the Chief Decision Management officer for an $8 billion portfolio, leading all analytical and strategy efforts for a Private Label and Co-Brand relationship with a top-10 US retailer. Prior to his time at Citi, Mr. Carroll held positions of increasing responsibility in the risk management and analytical space at Morgan Stanley/Discover, First Chicago and Signet Bank. Mr. Carroll’s forte is in combining analytically derived insights with regression analysis to create risk policy and strategy that is intuitive and empirically sound. Mr. Carroll spent many years mining data and has leveraged that experience in all elements of risk management, guiding super prime and sub-prime portfolios through challenging and tumultuous economic environments. Mr. Carroll has a degree in economics from The University of Chicago as well as substantive coursework at The London School of Economics.