Economist, Strategy Development, Financial Innovation, Consumer Financing, Small Bisiness Financing, P2P, Crowdfunding, Securitization and Innovative Investment Bank with Internet Plus, Strategic Investment, Merge and Acquisition

• Developed Bank Basel II Model for Capital One credit card business, determined risk weighted asset and bank capital requirement by modelling probability of default, exposure at default, and loss given default (scorecards segmentation, statistical modelling, decision tree, machine learning).• Conducted research on Account Level Loss Forecasting Model for Small Business Card, including data cleaning, model development and monitoring, as well as a detailed analysis on key Economic indicators and their effects on small business.

Lead a research project on the leverage cycles and borrowing constraints for both public and private sectors, and its impact on the real economy. Write research report naming “Debt and deleveraging: the global credit bubble and its economic consequences”.

Write report on “Cross-Listing and IPO Pricing on the International Board in China”

• Initiated the Structured Investment Deposit (SID) to accommodate clients’ needs and demands• Participated fully in FX Spot/Futures/Forwards/Swaps hedging and trading

• Streamlined the projection process of Mortgage Pool Cash Flow from 200 to 2 minutes• Initiated internal spreadsheets for curve building and swap pricing• Led a team of 5 and won a 10 weeks trading game with €20M