Meet VantageScore’s Leadership

Most recently, he served as CPO for Unacast, a location data company, where he helped steer a more product-driven strategy during a period of exciting growth. At Clarivate (a former Thomson Reuters division), he led product strategy for MarkMonitor and managed the divestiture and transition to Investcorp. He was also a product leader at other data analytics companies, including Bersin by Deloitte; 7Park Data (a Vista Equity Partners company); and real estate analytics company Markerr.

Earlier in his career, Dr. Bandebo led the Analytics and Advisory teams at First Data (now a Fiserv company) where he shared insights on consumer spending, financial services, retail and small business sectors as Chief Economist.

Dr. Bandebo earned his Doctorate, Master of Science as well as his Bachelor of Commerce (B.Com), Business, Economics and Computer Science degrees from the University of Edinburgh, United Kingdom.

• Appeared in a monthly segment on “In the Loop with Betty Liu” on Bloomberg Television, Jul 2012 to Feb 2013.
• Interviewed on KFNN Phoenix and KPSM Palm Springs, 2012 and 2013.

• “IR's Role in Risk Communication in Time of Market Turmoil,” CEB, Oct 2008.
• “Proactive approaches to Managing Shareholder Activism,” CEB, Nov 2008.

• “How Consumer-Permissioned Data Improves Credit Scoring Accuracy and Financial Inclusion,” Digital Commerce Alliance, May 17, 2022
• “The Rebirth of Credit - Minus the Debt,” Card Forum 2012, May 2012.
• "Improving Investor Understanding of Your Business Model and Strategy," Co-hosted by NYSE and CEB, Nov 2011.

Mr. Sakkab joined the VantageScore senior team in January 2022 as Executive Vice President and General Counsel. He brings extensive legal, compliance and operational risk acumen to the organization, with more than 20 years of experience in the financial services and technology industries—including as a Deputy General Counsel at Lending Club Corporation during a period of high growth and rapid innovation. He also served as a Functional General Counsel and a Chief Counsel at Capital One Financial Corporation where he oversaw delivery of legal services to corporate treasury and the auto finance and mortgage lines of business.

Mr. Sakkab has the legal, risk management and leadership skills necessary to effectively navigate the regulatory landscape while also building a vibrant risk culture internally. An accomplished business and legal executive with demonstrated success working in the technology and financial services industries, Mr. Sakkab has broad expertise in product strategy and development, capital markets, consumer finance, government affairs, complex commercial transactions, operational risk and regulatory compliance.

Mr. Sakkab graduated from the University of Richmond with a BA in Leadership Studies and Political Science. He earned his JD from the University of Virginia School of Law.

• VantageScore Hires Ex-Polly Atty As GC, Law360.com, March 7, 2022
• Credit Scoring Firm Adds Former Capital One Senior Attorney as Legal Chief, Corporate Counsel, March 2, 2022

An acknowledged leader in data product innovation, Ms. Fahy has more than 25 years of experience in digital financial services, analytics and fin-tech; most recently leading analytics capabilities at Bank of America and Fiserv.

Prior to Fiserv, Ms. Fahy was Senior Vice President of Supply Chain Analytics at Citibank and Vice President of Product at First Data (acquired by Fiserv). At Citibank and First Data, Ms. Fahy led teams that transformed analytics, defined insights, and drove innovation. Ms. Fahy launched several of First Data’s market-leading digital data products including SpendTrendtm.

Ms. Fahy received her Master of Business Administration from Dowling College and Bachelor of Science degree in Business Management at Carlow College.

• Systems and methods for analyzing the effectiveness of a promotion Systems and methods for analyzing the effectiveness of a promotion · USPTO 08775242 · Issued Jul 8, 2014
• Network Analytics Systems and Methods Network Analytics Systems and Methods · US 08781874 · Issued Feb 29, 2012
• Loyalty Analytics Systems & Methods Loyalty Analytics Systems & Methods · US 08706543 · Issued Feb 28, 2012
• Transaction Location Analytics Systems & Methods Transaction Location Analytics Systems & Methods · US 8306846 · Issued Dec 8, 2011

Ms. Hubbs’ depth and breadth of leadership experience in capital markets spans origination, structuring, investing, research, analytics, and risk management. She served as a lead securitization analyst at DBRS Morningstar and Moody’s Investors Service, and was head of marketing research and analytics at First Data/Fiserv.

Earlier in her career Ms. Hubbs, as head of ABS management at Commerzbank AG (formerly, Dresdner Kleinwort), led teams overseeing various multi-billion dollar securitization and finance company portfolios including U.S. and global ABS, RMBS, ABCP, warehouse, and whole loans products.

Mr. Richardson has been involved with VantageScore since its inception in 2006. At that time he was Managing Director at Starkman & Associates, a New York City-based public relations firm, and served as VantageScore’s PR counsel during the launch of VantageScore 1.0. He subsequently joined VantageScore full-time in an executive capacity.

Most recently he led the launch of VantageScore 4.0 to the marketplace, leveraging branding, advertising, digital outreach, and social media, as well as media relations to get the word out about the organization’s inclusive approach to credit scoring.

Mr. Richardson is a graduate of West Virginia University and completed the Wharton Executive Development Program. 135

• 7 Steps to Improve Your Credit Score Right Now, Money.com, June 6, 2022
• Is 30% credit card utilization the magic number?, The Points Guy, March 21, 2022
• How to Score Points in the Credit Game, ABC News, January 22, 2022

• Financial Inclusion + Alternative Data, February 2022

Prior to VantageScore, Dr. Sahingur served as the Chief Risk Officer for Model Risk Management at Fannie Mae in Washington D.C., where he served in several senior analytics roles. In addition, he’s held leadership positions at Capital One with accountability for customer management, risk operations, and fraud for the firm’s national portfolio of credit cards and unsecured loans.

Dr. Sahingur has an MBA from Binghamton University, a PhD in Finance and Economics from the University of Buffalo, and completed the Executive Development Program at Harvard Business School.

• Pandemic Saw Changes in Consumer Behavior—Most of it Good, MBA Newslink, October 1, 2022
• Personal Loans Are Back After an Early Pandemic Slump, The Wall Street Journal, April 29, 2021
• A pandemic paradox: Americans’ credit scores continue to rise as economy struggles — here’s why, Marketwatch.com February 16, 2021

• How can Credit Unions further impact financial inclusion and access to credit? March 2022