Alan Schiffres
CCOCircleBack Lending
Alan is Chief Credit Officer of Circleback Lending. His nearly 40 years’ experience in consumer finance includes senior management positions in risk, marketing and strategic planning at Citicorp, Dean Witter and American Express, where he was senior credit officer for the Gold/Platinum Card Division and consumer lending products. Immediately prior to founding Circleback Lending, Alan was Partner/Managing Director at Novantas, Inc., where he lead the firm’s consumer risk management and advanced analytic consulting practices, and was Managing Director of Portfolio Management Associates, Inc., a consulting firm specializing in consumer credit risk management. Alan’s experience in consumer lending and risk management covers virtually all consumer finance products – unsecured and secured, revolving and installment – through the full portfolio lifecycle from underwriting to seriously distressed debt collection.

Alan earned a Sc.B. in Computer Science from Brown University and a M.B.A. from the Harvard Business School.