Michael Cochrum is founder/chief data scientist at CUBI.Pro, a credit union-focused analytics company founded in 2018. He has more than 20 years of experience, including extensive lending background in underwriting, collections, asset recovery, and program management. Over the last 10 years, Cochrum has been instrumental in bringing data analytics and risk management best practices to the credit union space. He is a sought-after speaker and writer on loan portfolio risk management and decision automation. The author of “The Data-Driven Credit Union” is a 2004 graduate of Southwest CUNA Management School and holds a BS in data analytics and an MBA from Texas A&M University – Corpus Christi.