About
Highly analytical professional with dual Master's degrees in Management Information Systems and Quantitative Financial Economics, specializing in data analysis, A/B testing, and predictive modeling. Brings over two years of hands-on experience in data extraction, transformation, and feature engineering, coupled with a year in risk management analytics. Proven ability to leverage complex datasets to drive data-driven decision-making, optimize credit policies, and mitigate financial risks.
Work
Newark, Delaware, US
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Summary
Led the development and optimization of comprehensive underwriting policies for online unsecured loans, leveraging advanced data analytics and risk mitigation strategies.
Highlights
Developed and optimized a comprehensive underwriting policy for online machine-based personal unsecured loans, encompassing data preparation, model testing, and performance monitoring.
Executed robust data extraction, transformation, and loading (ETL) processes using SQL and Python, ensuring data integrity for credit policy development and model training.
Designed and implemented multi-factor anti-fraud mechanisms, leveraging data matching and manual verification to significantly mitigate identity theft-related fraud risks.
Developed a proactive risk mitigation strategy during inflation, establishing hard-cut rules based on credit report variables that enhanced underwriting system efficiency.
Collaborated with data scientists to build and integrate risk rating models, focusing on feature engineering and model validation for improved underwriting policy accuracy.
Chengdu, Sichuan, China
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Summary
Conducted comprehensive financial analysis, developed analytical models, and secured significant investments to support data-driven decision-making and business growth.
Highlights
Compiled and structured diverse datasets to support data-driven decision-making processes, enhancing strategic insights.
Developed an advanced analytical model in Excel, utilizing collected data to generate actionable strategic recommendations for business growth.
Secured over $200,000 in investment through strategic planning and persuasive presentations, directly contributing to company expansion.
Utilized Excel and financial software to perform in-depth analysis of loan portfolio data, identifying key trends and risk factors.
Chengdu, Sichuan, China
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Summary
Evaluated loan applications and financial statements, conducted financial analysis, and collaborated on enhancing credit risk assessment procedures to support underwriting decisions.
Highlights
Assisted in evaluating loan applications, analyzing financial statements, credit reports, and business plans to assess borrower risk comprehensively.
Conducted fundamental financial analysis, including debt-to-income ratio calculations and cash flow assessments, to support informed underwriting decisions.
Supported underwriting team operations, ensuring accurate data entry and documentation compliance with regulatory requirements.
Communicated effectively with applicants and relationship managers, streamlining the gathering of necessary documents to facilitate loan approvals.
Collaborated with senior underwriters to enhance credit risk assessment procedures and improve overall underwriting efficiency.
Education
Skills
Data Analysis & Visualization
Tableau, Power BI, SAS, R.
Programming & Databases
SQL, Python, VBA.
Financial Analysis & Risk Management
Excel, Financial Software, Risk Modeling, Underwriting, Credit Risk Assessment.