Company Award – 2021 Winner’s Circle, Top 1%, 2024 Peak Award, Top 0.3%• Lead a team of strong analytic analysts to create the first proactive credit lending strategies for Consumer and Business portfolios • Partner with the technology team, sales ops, data team, and underwriting team to create a new credit infrastructure that connects the frontend and backend systems, proactively managing 30M customers• Create and present monthly portfolio KPIs and share insights with credit leadership• Created a decision tree model to identify high-risk populations, and implemented a credit mitigation project which saves over $7M a year in fraud and credit losses• Analyzed the credit performance data, and introduced the first auto proactive credit upgrade strategy for the low-risk segment ~35k accounts, resulting in 2% more lines and 4% higher financing activities, and 8% UW operation efficiency between test and control groups• Enhanced and streamlined the existing underwriting credit policy, which saved 3 headcounts per month• Partnered with the technology team to design a new credit infrastructure for non-wireless (subscription and IoT) products, and set credit limits for the products

• Managed expansion and tightening acquisition strategies (test and control) based on comprehensive analytic analysis, executed proposed strategies, validated implementation results, and tracked strategy performances • Collaborated with the data engineering team to create and maintain accurate and efficient data infrastructure (acquisition, performance, and deposit data) for analytics and scoring purposes • Influenced the data science team and external partners (Plaid and Experian) to build robust machine learning reject inference and underwriting models. Developed segmentation and lead swap-in /swap-out analysis based on the probability of default score• Launched new processes to monitor acquisition (e.g., approval rate, first payment default, unit, and dollar delinquency rates, decline reason distribution, FICO, initial line, deposit balance) and account management (e.g., avg balance, avg credit line, avg FICO, roll rate, inactive rate, collections) metrics for our products (75k accounts) and cobrand products • Built new underwriting and line assignment strategies for new cobrand partnerships and presented the recommendations to external partners• Led monthly portfolio review meetings and discussions with operations and fraud teams on potential improvements to reduce losses and streamline application processes• Managed and designed test and control marketing promotional campaign strategies by analyzing spend behavior and bureau data

•Led growth acquisition underwriting strategy for College (145k accts) and Secured (250k accts) credit card acquisitions •Worked closely with the finance, marketing, modeling, data management and product teams to facilitate card acquisition projects•Reviewed financial metrics (ROA, NPV, Loss Rate, Balance) based on the strategies and assumptions and prepare for final documentations •Influenced the rollout of test and pilot programs and criteria changes that manage credit risk •Created and shared monitoring reports on various credit, vintage, product, offer, channel, mix, swap sets, delinquency, loss rate and concentration risk on new account acquisitions •Developed and validated controls for implemented strategies assuring they are executed as intended per approved business cases •Provided guidance to junior analysts •Provided risk recommendations based on loss estimation analysis for card and personal lines and loans acquisition initiatives•Drove process improvement on campaign cohort reporting for personal lines (100mm balance per quarter) and loans (900mm balance per quarter) •Validated various risk metrics and reconciled databases between finance and risk teams•Presented risk methodologies and analyses to business partners and senior managements•Led and designed data driven fraud management strategies to optimize the trade-offs inherent in successfully preventing fraud and maximizing customer satisfaction for the credit card portfolio ($7.5bn monthly transactions or 24mm active accounts)•Worked with other strategy consultants, fraud operations and implementation teams to execute flawlessly enhanced fraud solutions that result from analytic findings•Reviewed and analyzed fraud trends, researched new methodologies and data sources, and recommended strategy changes or process enhancements when needed

•Worked closely with the mortgage-backed security traders to facilitate hedge more than $36 billion active loans •Designed and maintained weekly line of business dashboards •Leveraged retail database to provide enhanced pipeline analytics •Provided commentary and supporting documentation for pricing hedge cost updates•Offered lines of business with analytical support regarding proposed changes to rate lock policies and processes•Introduced daily floating pipeline reports to monitor the locked loans and applications volumes

• Managed resolution of financial issues across 260 branches, 24 complexes, 10 markets, and 2 regions • Provided continuous support and guidance on financial corporate policies, and suggestion on profit margin improvement • Created ad-hoc expense management analysis reports; including profitability, trainee, legal, occupancy, travel and entertainment expenses • Created regional variance explanation reports: actual vs. plan across current and previous year analysis• Led training for branch managers on profitability metrics, financial statements, and transactional applications• Collaborated with Financial Planning & Analysis, Compensation, Functional Accounting Teams, and Key Business Leaders for analysis projects

• Analyzed outlier accounts within DMA product, which has around 15,000 accounts• Resolved and identified the operations errors• Provided 20 mutual fund products quarterly performance numbers • Audited clients’ financial reports• Created customized or standardized reports based on financial advisors’ or money managers’ requests• Assisted with the product marketing team (FSG) and trading team (BSG) for different requests• Communicated with software vendor (APL) for process improvement • Developed educational documents and instruct teammates on reviewing the accounts• Created models for process improvement on performance reporting • Reconciled cash and positions between trading software (APL) and custodian system (BETA) • Setup securities in APL • Responded to Financial advisors’ and money managers’ requests

• Provided bookkeeping services for small business: posting journal entries, updating general ledger balances and creating financial reports• Analyzed financial statements • Prepared tax returns for individuals (included different schedules), partnerships and corporationso S Corporation: car dealership, local grocery store, trading company and restaurantso Limited Company: health care company