Steve Holden leads a group of data science professionals that support loan underwriting, pricing and acquisition, securitization, loss mitigation, and loan liquidation for the company’s multi-trillion-dollar Single-Family mortgage portfolio. He also holds Enterprise-wide accountability for all Generative AI initiatives at Fannie Mae. His team delivers real-time analytic solutions, guiding the thousands of daily business decisions needed to manage a mortgage portfolio of this magnitude. The team includes experts in econometric models, machine learning, data engineering, data visualization, software engineering, and analytic infrastructure design. Previously, Holden was VP, Credit Portfolio Management Analytics. Prior to joining Fannie Mae in 1999, he served in several analytic leadership roles. Holden has a Bachelor of Arts in economics from the University of Toronto, a Master of Arts in economics from Queen's University, and a Doctorate in economics from Johns Hopkins University.