What we bring to the table
At PAG, you are getting senior level expertise to assist you with putting in place best in class business practices to develop strategic advantages. We are fully committed to not only meeting, but far exceeding your expectations. We work with you under the mindset of being your partner and sharing your goals. Our previous clients repeatedly turn to us for guidance and direction in their day to day business. Our Client’s Loyalty and Trust are commodities that we value and work hard to earn.
On a lighter side, we love analytics and data. We are passionate about analyzing trends and “telling a story”. We surround ourselves with a team of folks that have the inquisitive nature to seek and find the signal through the noise. At the same time, our executive level experience also allows us to see the forest through the trees, which is often overlooked when working with data and analytics. We bring to the table top level data scientists, as well as compliance experts, and other industry specialists in order to achieve our goals. We are collaborative and open minded to diverse or unique perspectives. We seek to find the 1% of reasons for why something can be done, not focusing on the 99% of reasons for why it can’t be done.
What we do
We design strategies by analyzing segments to identify trends from data received from various environments. With these profiles, we make forward looking statements, based on a combination of historical and business knowledge experience. We present our ideas and solicit buy-in by tying results to a financial bottom line, while taking into consideration the economic and industry environment. We execute this plan by hitting our goals within budget and established timelines, to put our clients in a strategically better position for tomorrow’s business – or, simply put another way, “we analyze tomorrow today”.
Who we are
Chief Executive Officer
Mr. Hoops has over 20 years of experience within the financial services industry; including Credit, Collections and Fraud Risk Management, Business Operations, Control & Compliance, Strategic Planning, Forecasting and Marketing Analytics. Read More
CEO and Chief Strategy Officer
Mr. Hoops has over 20 years of experience within the financial services industry including Credit, Collections & Fraud Risk Management, Business Operations, Control &Compliance, Strategic Planning, Forecasting and Marketing Analytics. He has served as a Chief Risk Officer for Barclaycard US Partnerships, a Global Scoring Head at Citibank, and a Site President for Wells Fargo Financial. Steve is a co-founder of Predictive Analytics Group, and has owned & operated Hoops Consulting, LLC for the past 4 years.
Steve started his financial services career in 1993 as a part-time telemarketer, while attending the University of Delaware for his Business Administration degree. Mr. Hoops has spent his 20 plus years within the industry building best-in-class operations with each company he has supported. His career has been highlighted by leading several large functions for several Tier 1 and Tier 2International Banks, including:
- Credit Policy (CRO for $20B co-branded portfolio, Barclaycard US partnership)
- Credit Policy (SVP for $28B retail Co-brand & Private Label portfolio, Citibank)
- Loss Forecasting / Loan Loss Reserves ($30B Consumer portfolio, Citi-Financial)
- Collections Risk Management ($70B Co-brand & Private label portfolios, Citibank)
- Modeling ($30B Consumer Loan & sub-prime Mortgage portfolio, Citi-Financial)
- Collection Operations (Head of 410 person operations center, $17B Auto, Personal Loan & Mortgage portfolio, Wells Fargo)
- Credit Analytics (MBNA/Bank of America, Wells Fargo, Citibank)
Chief Data & Analytics Officer
Mr. Ridgeway has over 25 years of experience within the financial services industry; including Risk Management, Finance, Project Management, Compliance, MIS, IT and Operations. Read More
COO and Chief Data and Analytics Officer
Mr. Ridgeway has over 25 years of experience within the financial services industry including Risk Management, Finance, Project Management, Compliance, MIS, IT & Operations. He has held senior roles at several of the top 5 Banks; including MBNA, Wells Fargo & Citibank. Dee has expertise in Risk oversight and a wealth of knowledge in the regulatory footprint (CFPB / OCC / FRB) in financial services. He has hands on knowledge in the strategy world with numerous credit products including: credit cards, auto lending, mortgage and home equity, and unsecured lending. Dee is a co-founder of Predictive Analytics Group, worked as a Senior Consultant for Hoops Consulting, LLC., and owned & operated Mayflower Analytics LLC.
From a Risk Management perspective, Dee has experience in portfolio management in credit underwriting and loss mitigation during several growth cycles and economic contraction periods. He understands the needs and partners well with operational risk, modeling, and loss forecasting risk functions.
Dee is a SME on risk data strategy (data architecture, data management, and systems integration) and often creates a "passable bridge" between Risk and IT that translates business needs to executable business plans.
From an MIS, reporting and portfolio analytics perspective, Dee has a proven track record of designing portfolio reporting that meets executive and end user needs that often has been labelled the "gold standard".
Chief Risk Officer
Dale Hoops has over 20 years of experience within the financial services industry; with focus in Risk Management, Collections, Fraud, Account Management Strategies, Loss Forecasting, stress testing and economic analysis. Read More
Chief Risk Officer
Dale Hoops has over 20 years of experience within the financial services industry; with focus in Risk Management, Collections, Fraud, Account Management Strategies, Loss Forecasting, stress testing and economic analysis.
Dale started her financial services career in 1996 as a part time customer service representative and teller in a small financial center, while attending the University of Richmond. Her career has included senior roles at Bank of America, Citi and MBNA America. She has experience with multiple retail products including consumer and commercial card; private label and co-brand, deposits, vehicle lending, mortgage and home equity. Her key strengths have been identifying opportunities for improvement through business analysis, strategy development and risk governance.
In addition to her professional career, Dale has extensive leadership experience with non-profits with event planning, policy, budget and audit management. She is a member of the Board of Directors for the Girl Scouts of the Chesapeake Bay which serves 8,000 girls in Delaware, Maryland, and Virginia. She is former President, Vice President and Treasurer at a local Parent-Teacher Association, former community pillar chair for Bank of America’s LEAD for Women Delaware network, and served on the leadership team for the Field of Dreams Relay for Life event to raise funds for the American Cancer Society.
Managing Director – US Operations
Mr. LaRoche is a resourceful, results oriented Executive with over 24 years of financial services experience; emphasizing collections risk management, dialer operations, MIS and reporting analytics, acquisition strategies Read More
Managing Director - US Operations
Mr. LaRoche is a resourceful, results oriented Executive with over 24 years of financial services experience; emphasizing collections risk management, dialer operations, MIS and reporting analytics, acquisition strategies, loss forecasting, credit policy, account management strategies, portfolio conversions, due diligence, and collections operations management. He also has 13 years of direct risk management experience, with 3 years of collections line management experience possessing excellent analytical skills and the ability to manage diverse groups in strategies, modeling, collections, dialer operations, loss forecasting/loan loss reserve modeling, financial analysis, operations and loss avoidance.
David started his career is 1997 as customer service representative for Travelers Bank. Since then, he has held the following senior positions:
- Director, US Operations for Bridgeforce Consulting
- Sr. Director and Call Center Leader for American Express
- SVP. Collections Strategy and IT leader for Washington Mutual