Joseph Breeden

Joseph Breeden - Prescient Models LLC

Joseph Breeden, PhD is currently CEO of Prescient Models, which provides products, services, and training for lenders globally. Prior to Prescient Models, he was CEO and Founder of Strategic Analytics, where he led the design of advanced analytic solutions including the invention of Dual-time Dynamics. Dr. Breeden has created models through the 1995 Mexican Peso Crisis, the 1997 Asian Economic Crisis, the 2001 Global Recession, the 2003 Hong Kong SARS Recession, and the 2007-2009 US Mortgage Crisis and Global Financial Crisis. These crises have provided Dr. Breeden with a rare perspective on crisis management and the analytics needs of executives for strategic decision-making.

Dr. Breeden received separate BS degrees in mathematics and physics in 1987 from Indiana University. He earned a Ph.D. in physics in 1991 from the University of Illinois studying real-world applications of chaos theory and genetic algorithms.

Dr. Breeden has been designing and deploying risk management systems for retail loan portfolios since 1996. The “Second Impression” of his book "Reinventing Retail Lending Analytics: Forecasting, Stress Testing, Capital, and Scoring for a World of Crises" was published by Riskbooks in 2014.

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