Nicholas Lowe

S

Chief Data Officer at Harbor Care | ex-EY

Harbor Care
Seattle, WA · PT (UTC-8)
9+ years experience
Stanford GSB
English
Messaging unavailable

Overview

I lead credit risk modelling at Harbor Care in Seattle. Took the risk models through 4 regulatory model reviews. Big believer in written communication.

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  • Second opinions on XGBoost decisions
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Skills
SQLPythoncredit scoringsurvival analysismodel governanceXGBoost

Experience

  1. Chief Data Officer
    May 2025 - Present
    Harbor Care · 1 yr 5 mo · Full-time · Seattle, WA
    • Built the scorecard that lifted approval rates by 8% at flat losses.
    • Built the risk models now used in 10 product decisions a quarter.
    • Wrote the metric definitions the leadership team reviews every week.
  2. Director of Data Science
    Nov 2022 - May 2025
    EY · 2 yr 6 mo · Full-time · Seattle, WA
    • Built the scorecard that lifted approval rates by 9% at flat losses.
  3. Director of Data Science
    Jun 2021 - Nov 2022
    Uber · 1 yr 5 mo · Full-time · Seattle, WA
    • Taught SQL to 109 non-analysts.
  4. Analytics Manager
    Sep 2019 - Jun 2021
    Microsoft · 1 yr 9 mo · Full-time · Seattle, WA
    • Taught SQL to 152 non-analysts.
    • Built the risk models now used in 6 product decisions a quarter.
  5. Analytics Manager
    Dec 2017 - Sep 2019
    Block · 1 yr 9 mo · Contract · Seattle, WA
    • Built the scorecard that lifted approval rates by 6% at flat losses.

References

No references yet.

Education

  1. Stanford GSB
    MBA, Business Administration
    2002 - 2004
  2. Rhode Island School of Design
    BFA, Computer Science
    1994 - 1998

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