• Led the team’s data analytics and machine learning research to create business insights, including business reporting, customer profiling, and predictive models, for Talech’s small business merchant customers. Provided analytic support for product design and enhancement.• Managed data governance for the data system and API endpoints. Partnered with team leads and product managers to define the data system’s objectives, scope, design, and implementation approach, especially to ensure the data models are accurate and aligned with business requirements.

• Developed a suite of data-driven account risk management strategies for credit cards and led the establishment of associated operation processes, including credit line management, ACH payment risk, and collection prioritization and tracking. Created KPI metrics and dashboards to monitor the portfolio performance and credit quality, and provided short-term loss forecast.• Established the credit card fraud prevention framework that covered application fraud, real-time authorization and fraud prevention strategies, and real-time monitoring and fraud alerts. With the new authorization strategies, transaction approval rate was improved by over 400 bps while fraud loss was maintained at same level.• Designed and led the creation of internal analytic database. Led cross-functional team efforts on data mining, feature engineering and ML model development for underwriting and account management. Provided analytic support to marketing and product teams.• Partnered with product, operations, engineering, and finance teams to drive business initiatives on credit policies, product enhancement and operation process improvement.

• Developed/enhanced risk-based collection and recovery strategies which balanced loss mitigation, cost, and regulatory requirements. Led the implementation and testing/roll-out of collection strategies and models via cross-functional collaboration with technology, operations, and data science teams.• Designed and produced KPI metrics and MIS reporting for collection performance and overall portfolio credit quality. Managed the SBL credit policies for problem credit management, including modifying the policies to address regulatory and compliance requirements, and monitoring the execution in collection operations.

• Established/enhanced the control framework and processes of the CARE data (WF internal customer-level analytic data mart) to align with enterprise data governance policies, including re-designed the data access and provisioning policies and tracking processes, and completed the documentation of end-to-end data flow. • Enhanced data usage management from various aspects, including usage inventory documentation, legal and compliance review of data design and limitation, metadata update, and as well as multiple user communication channels and trainings.

Managed the Department of Collection and Asset Management for all products of CreditEase Consumer and Small Business Lending Group. Responsibilities include leading the risk management team to develop and implement collection strategies and models; to design and produce MIS reports; to maintain and improve collection operating system; to monitor and optimize operation capacity and work queues, as well as overseeing the performance of collection operation team and establishing collection SOP and policies.As the leader of collection risk team, I collaborate with senior managers of all Lines of Business across the company on not only improving the portfolio quality and risk performance, but also building data infrastructure and enhancing operational risk control.Key responsibilities and achievements include:• Led the team to develop and test/rollout the first generation of data-driven collection models and strategies for various consumer and small business lending products. The delinquency roll-forward rate of front-end buckets was improved by over 30%, and recovery rate was doubled.• Led the team to enhance the functionality and efficiency of the collection system dramatically. Accomplished the leap from manual processes to systematic queue assignment, prioritization, and monitoring in all collection channels, including outbound calls, vehicle repossession, and out-sourcing. Increased productivity of outbound calls by 3 times through establishing predictive auto-dialer system.• Managed design and on-going audit of operation policies for collection. Collaborated with cross-organizational business partners and drove initiatives for improving portfolio credit quality through credit policy, underwriting, and product design.

• Developed the LOB’s first customer level risk model which would enable comprehensive and holistic risk management across accounts of the same customer. • Provided in-depth data mining and feature engineering on customer level attributes which was the foundation of a new customer level credit risk analytic database.• Provided risk assessment and recommendation to support strategic initiatives, including portfolio consolidation and new portfolio acquisition.

• Developed collection strategies to optimize the balance between loss mitigation and operational cost. The re-developed importation strategy for credit card portfolio provided millions of benefit annually.• Collaborated with business partners to ensure effective execution of collection strategies. As the representative of Risk team, facilitated the reformation of outbound dialers from design to testing, and roll-out and monitoring.

• Led development of entire suite of real-time authorization strategies for the credit card portfolio and development/enhancement of MIS reporting. Fraud loss rate and detection accuracy consistently out-performed peer group over years based on industry reports.• Developed algorithms to identify testing merchants of different patterns. Initiated and led the establishment of near real-time testing-to-suspension process that shortened reaction time to active compromised accounts from a few days to a few minutes.• Guided the algorithms improvement to identify the Point of Compromise. Representing the Risk team, collaborated with multiple business partners to develop the first Compromised Card Auto-reissue system. Since then, card reissue from large-scale compromises has been processed systemically in real-time with operational risk and cost significantly reduced. • Collaborated with operation team on daily basis to ensure an efficient and consistent end-to-end fraud prevention process.

Direct Lending Acquisition:• Developed auto-approval underwriting strategy for CarMax acquisition channel and a response model to support the marketing team.Portfolio Risk Management:• Developed recovery model for the Asset Recovery Center to optimize collection treatments and reduced operation cost by 40%.• Produced loss forecasting and model validation reports.

1) Managed databases for epidemiology surveys in various countries. Analyzed and developed models for the impact of fuel-stove use on indoor air quality, human health and greenhouse warming.2) Provided data summary and figures for official reports and conference publications, including translation of reports between English and Chinese. Assisted in writing a manuscript for the indoor air study.