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Julia Ballew has over 30 years of work experience in various analytical and leadership roles. Julia currently holds the position of Head of Decision Science at Provident Financial Group, where they manage the development of credit risk models and establishes policies for consumer credit risk models. Prior to this, they worked as the Director of Applied Analytics at SquareTwo Financial, where they developed models to predict cash flows and determine pricing for debt portfolios. Julia also has experience at Ford Motor Credit Company and Ford Financial Europe, where they held management roles and worked on risk models and quantitative analysis. Earlier in their career, they worked at Fairlane Credit and Triad, developing credit risk models using Inform Plus. Julia's expertise extends to statistical analysis and programming, as they previously worked at The Polk Company, QuantiTech Inc, Teledyne Brown Engineering, and Citicorp POS Information Services.

Julia Ballew obtained a Master of Science degree in Applied Statistics from The University of Alabama, completing their studies from 1982 to 1988. Later, they pursued a second master's degree in Applied Statistics from the same institution, although the specific start and end years for this program are not provided.