Welcome To Predictive Analytics Group

Make Better Decisions

Our advanced-analytics capabilities will help you reduce regulatory risk and optimize business performance through data storage and consolidation, creation of account-management strategies, actionable reporting, new marketing segmentation opportunities, scorecard builds/validation, short-term staffing augmentation, and much, much more. 

The Industry’s FIRST All-in-One Data and Analytics Platform

Predictive Analytics Group was featured on an episode of Inside the Blueprint, an award-winning show highlighting innovations and new technologies in the business space!

News Corner

Check out our latest developments

For more detailed information on our services and how a partnership with Predictive Analytics Group can benefit your business check out our Basic Services Deck located in our About Us section. About Us

Our Services

What Services We Offer

Click a tile to see how we can benefit your business.


We have helped clients:
-Marketing and underwriting
-Improve account management
-Collection performance
-Prepare for regulatory audits.


We have helped clients:
-Analyze player statistics
-Design marketing campaigns
-Build robust reporting packages
-Evaluate trade scenarios.

Health Care

We have helped clients:
-Build underwriting programs
-Process payments
-Consolidate new data trends
-Build robust reporting programs.

Portfolio Purchase Support

We have helped clients:
-Review a portfolios attributes
-Identify a portfolios trends
-Build a full dashboard
-Providing risk management

Data Warehousing

We have helped clients:
-Data information security
-Compiling multiple data sources
-Building a dashboard suite
-Support data requests

General Consulting

We have helped clients:
-Operational risk assessments
-Build or assess scorecards
-Predict performance
-Account management support

Our Partners

See Our Partners

This is a small sample of our clients that Predictive Analytics Group has been proud to partner with.

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What Clients Say About Us

Visit our case studies page to see how Predictive Analytics Group has exceeded our clients expectations.

Drew Tomsuden
    Drew Tomsuden

    Chief Risk Officer – Tower Loan

    Working with PAG, they were efficient and delivered everything we needed. Quite honestly, I could not have expected more. They were able to communicate complex findings in a clear, concise manner…

    April Stercula
      April Stercula

      Former CEO – Baxter Marine Group

      I have worked with Predictive Analytics Group many times throughout my tenure at various organizations. The working relationship is always seamless and fluid – it’s like having…

      Frank Davis
        Frank Davis

        SVP Retail Lending – Banco Popular

        Working with PAG during our Scoring Model development was an excellent and important decision and brought significant value to the project. Their deep understanding of the data and…

        Justin B. Perun
          Justin B. Perun

          Founder/CEO – Medpay & Healthy Habits

          Predictive Analytics Group has been a valuable partner to MedPay and Healthy Habits from the beginning. In fact, our engagement with PAG began long before we launched our healthcare…

          Our Blog


          Managing Partner of U.S. Operations

          Mr. LaRoche is a resourceful, results-oriented Executive with over 25 years of financial services experience; emphasizing collections risk management, dialer operations, MIS and reporting analytics, acquisition strategies, loss forecasting, credit policy, account management strategies, portfolio conversions, due diligence, and collections operations management. He also has over 15 years of direct risk management experience, with 3 years of collections line management experience possessing excellent analytical skills and the ability to manage diverse groups in strategies, modeling, collections, dialer operations, loss forecasting/loan loss reserve modeling, financial analysis, operations and loss avoidance.

          David started his career in 1997 as a customer service representative for Travelers Bank. Since then, he has held the following senior positions:

          • Director, US Operations for Bridgeforce Consulting
          • Sr. Director and Call Center Leader for American Express
          • SVP. Collections Strategy and IT leader for Washington Mutual

          Chief Risk Officer

          Dale Hoops has over 25 years of experience within the financial services industry, with a focus on Risk Management, Collections, Fraud, Account Management Strategies, Loss Forecasting, stress testing, and economic analysis.

          Dale started her financial services career in 1996 as a part time customer service representative and teller in a small financial center while attending the University of Richmond. Her career has included senior roles at Bank of America, Citi, and MBNA America. She has experience with multiple retail products, including consumer and commercial cards, private label and co-brand, deposits, vehicle lending, mortgage, and home equity. Her key strengths have been identifying opportunities for improvement through business analysis, strategy development, and risk governance.

          In addition to her professional career, Dale has extensive leadership experience with non-profits with event planning, policy, budget, and audit management. She is a member of the Board of Directors for the Girl Scouts of the Chesapeake Bay, which serves 8,000 girls in Delaware, Maryland, and Virginia. She is the former President, Vice President, and Treasurer at a local Parent-Teacher Association, former community pillar chair for Bank of America’s LEAD for Women Delaware network, and served on the leadership team for the Field of Dreams Relay for Life event to raise funds for the American Cancer Society.

          Chief Data and Analytics Officer

          Mr. Ridgeway has over 30 years of experience within the financial services industry, including Risk Management, Finance, Project Management, Compliance, MIS, IT & Operations. He has held senior roles at several of the top 5 Banks, including MBNA, Wells Fargo & Citibank. Dee has expertise in Risk oversight and a wealth of knowledge in the regulatory footprint (CFPB / OCC / FRB) in financial services. He has hands-on knowledge in the strategy world with numerous credit products including: credit cards, auto lending, mortgage and home equity, and unsecured lending. Dee is a co-founder of Predictive Analytics Group, worked as a Senior Consultant for Hoops Consulting, LLC., and owned & operated Mayflower Analytics LLC.

          From a Risk Management perspective, Dee has experience in portfolio management in credit underwriting and loss mitigation during several growth cycles and economic contraction periods. He understands the needs and partners well with operational risk, modeling, and loss forecasting risk functions.

          Dee is a SME on risk data strategy (data architecture, data management, and systems integration) and often creates a "passable bridge" between Risk and IT that translates business needs into executable business plans.

          From an MIS, reporting, and portfolio analytics perspective, Dee has a proven track record of designing portfolio reporting that meets executive and end user needs that often have been labeled the "gold standard."

          CEO and Chief Strategy Officer

          Mr. Hoops has over 25 years of experience within the financial services industry, including Credit Collections & Fraud Risk Management, Business Operations, Control &Compliance, Strategic Planning, Forecasting, and Marketing Analytics. He has served as a Chief Risk Officer for Barclaycard US Partnerships, a Global Scoring Head at Citibank, and a Site President for Wells Fargo Financial. Steve is a co-founder of Predictive Analytics Group and has owned & operated Hoops Consulting, LLC for the past 4 years.

          Steve started his financial services career in 1993 as a part-time telemarketer while attending the University of Delaware for his Business Administration degree. Mr. Hoops has spent his 25-plus years within the industry building best-in-class operations with each company he has supported. His career has been highlighted by leading several large functions for several Tier 1 and Tier 2International Banks, including:

          • Credit Policy (CRO for $20B co-branded portfolio, Barclaycard US partnership)
          • Credit Policy (SVP for $28B retail Co-brand & Private Label portfolio, Citibank)
          • Loss Forecasting / Loan Loss Reserves ($30B Consumer portfolio, Citi-Financial)
          • Collections Risk Management ($70B Co-brand & Private label portfolios, Citibank)
          • Modeling ($30B Consumer Loan & sub-prime Mortgage portfolio, Citi-Financial)
          • Collection Operations (Head of 410 person operations center, $17B Auto, Personal Loan & Mortgage portfolio, Wells Fargo)
          • Credit Analytics (MBNA/Bank of America, Wells Fargo, Citibank)