Started a company specialized in data mining and target marketing, a global pioneer to predict customer spending behavior through vast financial data - Led the development of a proprietary technology that precisely predict customer’s spending behavior, 4 times more accurate when tested on US and China credit card portfolios- Founded a company with 10+ employees focusing on data analytics and target marketing- Sold service to multiple national banks (Headquarters) in China - Negotiated with top-tier VCs in China on raising a Series A round

Consulted clients across financial services, TMT, industry goods and pharmaceutical sectors with a focus on strategic development - Assisted post merge integration (PMI) Asia business for two major European-based multi-national banks  - Provided a development strategy for a leading trust company in China  - Designed an integrated payment system strategy for central bank of Saudi Arabia - Developed a 5-year commercialization strategy for a major policy bank in China - Studied operation centralization of Chinese domestic banks - Designing a 5-year development strategy for a mobile technology company in China

Managed fraud risk and credit risk at the point of sale for all Discover cards- Responsible for monitoring 3 million daily transactions and handling emergencies - Rewrote authorization rules; developed new fraud models and strategies- Led the project of improving Discover card acceptance on China UnionPay network - Developed Internet purchase strategies for e-commerce merchants - Conducted recession planning and prime, near-prime customers analysis before 08’financial crisis- Provided P&L to company executivesManaged pricing function and developed pricing system that determines APRs of Discover cards- Designed and implemented pricing decision system that optimized credit risk, profit and sensitivity of each card member- Initiated and launched various pricing programs to meet company revenue goal

Provided consulting services to multiple top 10 pharmaceutical companies in the area of sales force strategies and marketing effectiveness- Individually and as part of a team, provided strategic and tactical analyses to GSK, Eli Lilly, Novartis, Johnson & Johnson, Roche and Abbott for their launching and in-line products in US, European and Japan pharmaceutical markets - Heavily involved in core analytical work for sales force sizing and structure, segmentation, call planning, sales force territory alignments and sampling optimization

Designed economical model for Nigerian oilfield project to evaluate various platform investment and operating scenarios

Developed a dynamic North American regional supply chain model covering crude transportation, refinery scheduling and product distribution