VantageScore Solutions Hires Modeling and Risk Management Executive Emre Sahingur to Lead Analytics and Model Development Group

Date: December 03, 2018

VantageScore® Solutions, LLC, the company behind the VantageScore credit scoring models, announced today that credit risk and analytics executive Emre Sahingur, PH.D., has joined the company as Senior Vice President for Predictive Analytics, Research and Product Management.

Dr. Sahingur’s official start date was November 12th, 2018, and he reports directly to Barrett Burns, president & CEO of VantageScore Solutions.

In his new position, Dr. Sahingur will lead VantageScore Solution’s deep bench of seasoned data scientists. The team is most recently responsible for developing VantageScore 4.0, which is the first and only tri-bureau credit scoring model to use trended credit data and to leverage machine learning in the development of model attributes to reliably and accurately score those with limited credit histories.

Dr. Sahingur most recently served as the Chief Risk Officer for Model Risk Management at Fannie Mae in Washington D.C., where he served in several senior risk and analytics roles since 2010.

In this role, Dr. Sahingur led a team of 35 risk management professionals, with full accountability for establishing the risk appetite and framework for assessing, measuring and monitoring model risks, as well as independent review and approval of all models used across the enterprise.

Prior to that, Dr. Sahingur held senior positions at Capital One Financial Services, most recently as senior director for credit risk management. While in that role he managed a spectrum of risk- and fraud-related responsibilities across the firm’s $60 billion credit card and unsecured loan operation.

“The field of predictive analytics is advancing at a rapid pace, and I am excited at the prospect of harnessing new technologies to ensure VantageScore Solutions extends its 12-year track record of innovation,” said Dr. Sahingur. “VantageScore has re-shaped the credit score modeling industry and the most compelling aspect of this opportunity is the long runway we have in front of us to continue to help lenders make better decisions, grow their portfolios and to empower consumers to better manage their credit health.”

“We’re thrilled that Emre has joined VantageScore Solutions and I look forward to working with him and the analytics team under his management. Despite deep penetration and usage across the consumer lending landscape, we must remain ahead of the trends to deliver even more predictive and dependable models and insightful research,” said Burns. “Emre’s background in the mortgage and credit card industry will be critical to our future and his deep understanding of model governance and risk management positions us for continued success.”

Dr. Sahingur received his PH.D. in finance from the State University of New York – Buffalo and an M.B.A. from the State University of New York – Binghamton. He received a Bachelor of Science degree in industrial engineering from Istanbul Technical University in Turkey. Most recently, Dr. Sahingur completed the Executive Development Program at Harvard Business School.

About VantageScore Solutions

Credit scores can impact many aspects of your life, everything from whether you are able to get a loan and how much interest you will have to pay to whether you are able to rent an apartment. At VantageScore, we understand the impact credit scores have and we take that responsibility seriously.

VantageScore Solutions, LLC ( is the independently managed company that owns the intellectual property rights to the VantageScore credit scoring models and is the leader in scoring innovation. The recently introduced VantageScore 4.0 model scores approximately 30 million consumers who typically are not scored by conventional models – without sacrificing predictiveness.

VantageScore credit scores are used by lenders, landlords, utility companies, telecom companies, and many others to determine creditworthiness. A recent study found that nearly 10.5 billion VantageScore credit scores were used by over 2,800 unique users from July 2017 to June 2018. By using the VantageScore model, these enterprises have access to many more consumers, and in turn, consumers have greater access to mainstream credit.

While there are many credit scoring models in the industry, the “win-win” for VantageScore is its innovative, highly predictive, patent-protected, tri-bureau scoring methodology that provides lenders and consumers with more consistent credit scores across all three national credit reporting companies.