Scott Barton is a leading expert in consumer finance. He is a founding Partner at 2nd Order Solutions and is a former Senior Executive at Capital One. He has managed over one hundred engagements reducing credit risk for clients in the US, Canada, Australia, Europe and Central America. Scott has completed dozens of credit due diligence reviews of fintech and offline lenders. He overhauled the credit line increase strategy and product marketing for a leading international bank, and developed the new customer acquisition model for a Top 10 global bank. Scott redesigned the credit policy for a fintech lender which led to increased approval rates and reduced risk, and created automated decisioning for a sub-prime lender, reducing manual decisions from 45% to 15%. Scott also led Risk Operations for US Card at COF, and reduced credit exposure by more than $2 Billion through surgical risk modeling.