Stacey Shifman
About Stacey Shifman
Stacey Shifman is the Vice President of Consumer Credit Analytics at Fannie Mae, with a background in analytics and credit risk assessment.
Title and Current Role
Stacey Shifman holds the position of Vice President of Consumer Credit Analytics at Fannie Mae. She operates in the Washington D.C. Metro Area. In her role, she is responsible for overseeing various aspects of consumer credit analytics and enhancing credit risk assessment processes.
Previous Experience at FICO
Between 1996 and 2003, Stacey Shifman worked at FICO® as an Analytic Science Manager involved in FICO score development. Her tenure at FICO lasted seven years and was based in the San Francisco Bay Area. This role set the foundation for her expertise in credit analytics.
Education and Credentials
Stacey Shifman earned a Master of Arts (MA) in Applied Economics from Johns Hopkins University Advanced Academic Programs between 2009 and 2011. She also holds a Bachelor of Science (BS) in Statistics from California Polytechnic State University-San Luis Obispo, completed from 1993 to 1995. These academic credentials underpin her proficiency in economic and statistical analysis.
Innovations in Credit Risk Assessment
At Fannie Mae, Stacey Shifman has been pivotal in developing key systems and solutions. She leveraged consumer permissioned bank statement data to identify rent payments, improving credit risk assessment within Desktop Underwriter (DU). She also created the DU's Validation Service (DVS) as part of the Day1 Certainty initiative, which uses electronic data to validate assets, income, and employment. Additionally, she developed Trusted Appraisal and Underwriting (TAU) and built the OMICRON system, which identifies strategic defaulters using credit bureau data.
Patents and Innovations
Stacey Shifman is the inventor of two patents related to automated data validation in loan origination. Her patents, numbered 10621664 (April 2020) and 11227333 (January 2022), focus on evaluating creditworthiness and data reliability. Her innovations significantly contribute to the accuracy and reliability of credit assessments.