Our People

Anthony Hutchinson is the Interim President and Chief Executive Officer at VantageScore. He brings nearly 30 years’ experience and a wealth of knowledge about the inner workings of Congress and the executive branch, as well as a deep understanding of the housing industry, to his current position. He has helped shape public policies critical to the housing industry, including the Dodd-Frank Financial Reform Law and the subsequent Qualified Mortgage (QM) and Qualified Residential Mortgage (QRM) rulings, which ensured that homeownership remains affordable and accessible for all qualified homebuyers.

Prior to joining VantageScore, Mr. Hutchinson was Director of Government and Industry Relations at Freddie Mac, overseeing the enterprise’s relationships with industry partners including the American Bankers Association, Independent Community Bankers Association and Mortgage Bankers Association. He liaised with these organizations to gain understanding of their business needs and the impact of Freddie Mac policies on their respective members. Intelligence gathered and shared was used to cultivate better industry partnerships and improve housing finance experiences for the consumer.

Earlier in his career, Mr. Hutchinson represented the views of more than one million REALTORS® as the Senior Policy Representative for Financial Services for the National Association of REALTORS® (NAR), the nation’s largest professional trade association, for more than five years. Before that, he served in several positions at Fannie Mae for more than 10 years, including providing market intelligence for Fannie Mae’s partnership offices, managing the emerging markets effort in the Baltimore MSA, product development, and manufactured housing portfolio. In addition, Mr. Hutchinson was a Customer Account Manager (CAM) for the mortgage lenders’ cooperative organizations.

He began his career in the housing industry at the National Association of REALTORS® as a Senior Market Researcher, part of the research and economics group. Here he developed a keen understanding of how research and data impact public policy.

Mr. Hutchinson earned a Bachelor of Science in geography from the Pennsylvania State University, and an MBA from the University of Maryland, Global Campus.

Rikard Bandebo is Executive Vice President, Chief Strategy Officer and Chief Economist at VantageScore, the fastest growing credit scoring company in the U.S.

Dr. Rikard Bandebo has spent the last 20 years as a product leader and general manager, working at the cross-section of financial services and quantitative and qualitative data analysis. Throughout his career, he has paired his expertise in data analytics with meaningful insights that help drive product innovation and expand market share.

Prior to his current role, Dr. Bandebo served as VantageScore’s Chief Product Officer, leading the data science and technology teams. In this role, he spearheaded the development of the VantageScore 4plus and VantageScore 5.0 credit score models. Prior to VantageScore, he was the Chief Product Officer at the location data company Unacast, where he helped develop a product-driven focus during a period of exciting growth. At Clarivate (a former Thomson Reuters division), he led the product and strategy functions for MarkMonitor, leading the company’s divestiture and transition to Investcorp. Bandebo has also served in leadership roles 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 the consumer, financial services, retail and small business sectors as Chief Economist.

Recent Articles

• 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.

Books, Articles And Whitepapers

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

Recent Presentations

• “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.

Marisol McCoy is Executive Vice President and Chief Financial Officer at VantageScore, responsible for shaping financial strategy and overseeing key financial operations, including planning and analysis, accounting, tax reporting, financial systems, and audits. A seasoned executive with more than 20 years of financial leadership, she delivers expertise gained across diverse financial functions.

Prior to becoming CFO, Ms. McCoy built her career in public accounting at PricewaterhouseCoopers and later transitioned into the software industry. She held senior finance leadership roles at several high-growth public technology companies, where she led financial operations, M&A activities, investor relations, and global expansion efforts. She played a pivotal role in scaling businesses, implementing robust financial systems, and driving strategic decision-making that enhanced profitability and sustained growth.

Ms. McCoy earned a Bachelor of Science in Business with a major in Accounting from California State University, East Bay, and is a licensed Certified Public Accountant (CPA).

Atif Mirza serves as Executive Vice President and Chief Digital Officer at VantageScore, where he leads the company’s digital strategy, digital products, and stakeholder engagement initiatives. He is responsible for the creation, production, commercialization, and ongoing evolution of VantageScore’s suite of industry-leading digital tools and insights platforms.

Mr. Mirza oversees VantageScore’s digital product portfolio, including CreditGauge™, CreditGauge LIVE, RiskRatio®, MarketGain®, and Inclusion360®, which provide lenders, fintechs, investors, policymakers, and other market participants with actionable insights into consumer credit health, credit risk trends, financial inclusion, and market opportunities. These tools have become trusted resources across the financial services industry and are regularly cited by leading media outlets including The Wall Street Journal, Bloomberg, MarketWatch, Yahoo Finance, and other major business publications.

In addition to leading digital product innovation, Mr. Mirza is responsible for VantageScore’s digital engagement strategy across its owned and operated channels, including web, social, and interactive media. He oversees the company’s digital community and works closely with industry stakeholders to ensure VantageScore’s insights and thought leadership reach the audiences that rely on them most.

Mr. Mirza is a recognized thought leader on consumer credit, credit risk, and financial inclusion. He frequently speaks at industry conferences, webinars, and media events, providing analysis on consumer credit trends and the evolving credit landscape.

Prior to joining VantageScore, Mr. Mirza held leadership positions in data strategy, analytics, risk management, and financial services at Goldman Sachs, Citi, and other leading financial institutions. He brings more than 25 years of experience helping organizations leverage data and analytics to drive growth, manage risk, and improve decision-making.

Tamra Tyree Moore is Executive Vice President and General Counsel at VantageScore, where she provides strategic counsel to the CEO, executive team, and VantageScore board. Leveraging her over 20 years of public and private sector legal experience, Tamra oversees the legal department’s operations and budget, as well as litigation, regulatory compliance, product development, and employment matters.

Prior to joining VantageScore, Ms. Moore was Vice President, Corporate Counsel for Global Data, Privacy, and AI at Prudential Financial, a partner at a large DC firm, and Corporate Counsel, Litigation at Northrop Grumman. She also has extensive regulatory and federal law enforcement experience, having worked for over a decade as Senior Counsel in the U.S. Department of Justice, the Consumer Financial Protection Bureau, and the Federal Trade Commission.

Ms. Moore is a nationally recognized expert on the legal aspects of AI governance in regulated industries and regularly speaking at national conferences and publishing extensively on this subject.

She holds a J.D. from Boston College Law School and a B.A. from Brown University, and maintains IAPP CIPP/US, CIPM, and AIGP certifications, along with a Chief AI Officer certification.

Dr. Andrada Pacheco is the Executive Vice President and Chief Data Scientist at VantageScore where she provides leadership to the data science team in research, development and maintenance of credit scoring models and other analytics solutions and products.

With more than 20 years of experience in the data science field and through her extensive career at VantageScore, Dr. Pacheco has been central to the design and refinement of VantageScore’s signature scoring models (including VantageScore 4.0, 4plus™, and 5.0), helping ensure that they deliver superior predictive performance, inclusiveness, consistency and fairness.

Dr. Pacheco has held roles as Senior Manager of Research and Development at ACNielsen and Senior Portfolio Analyst at GE Capital. Dr. Pacheco received a Ph.D. in Environmental Economics and M.S. degree in Statistics from the University of Rhode Island, where she also served as an instructor.

Jeff Richardson is Executive Vice President and Chief Marketing Officer at VantageScore, where he leads the company’s marketing, go-to-market strategy, lender engagement, and product marketing efforts. In this role, he educates lenders, policymakers, fintechs, and other stakeholders on the value of VantageScore’s inclusive, highly predictive credit-scoring models and the role modern credit analytics play in expanding access to responsible credit.

Mr. Richardson is also the host of Credit Gauge LIVE, a VantageScore program in which he and colleagues discuss the state of consumer credit health in the United States, highlight trends from VantageScore’s CreditGauge™ insights, and explore timely issues shaping the consumer credit and lending landscape. He previously hosted THE SCORE Podcast, where he interviewed industry innovators and thought leaders across financial services, fintech, and consumer credit.

Mr. Richardson has been involved with VantageScore since its inception in 2006. At that time, he was a Managing Director at a New York City–based public relations firm, where he served as VantageScore’s public relations counsel during the launch of VantageScore 1.0.

He joined VantageScore full time in an executive capacity in 2011 and has since played a central role in building the company’s brand, advancing market adoption, and positioning VantageScore as a leading voice on credit innovation, inclusion, and risk management.

Mr. Richardson holds a degree in journalism from West Virginia University and completed the Wharton Executive Development Program at the University of Pennsylvania.

Jamie Lin is a finance, technology, and digital strategy leader with over 20 years of experience in financial services. As Senior Vice President, Digital at VantageScore, she leads the company’s digital initiatives with a metrics-driven approach — serving as the primary architect of VantageScore’s external and internal websites and spearheading the launch of a new consumer-facing content platform.

Prior to VantageScore, Ms. Lin held progressive roles at Morgan Stanley, AIG, and Citi, where she built a strong foundation in financial analysis, vendor management, and procurement strategy. Known for bridging finance, technology, and digital innovation, she brings structure and measurable results to every organization she serves. She is based in the New York City metropolitan area.