Conduct risk management strategies for different SME products, evaluate credit risk、fraud risk etc for potential customers, lead and build up whole-set risk monitoring report system, co-work with colleagues from different departments to put strategies, models into use;In charge of risk policy for Koubei Merchants, comprehend state of business and capital needs of Koubei merchants according to their business characteristic, design credit risk policy solutions which is specialized for Koubei scene; Balance for Koubei loan grow from 0.5 billion to 10 billion, maintain low loss rate and high credit pass rate at the same time;Risk policy designer for QR code Merchants, conduct “trade more, lend more” credit pattern to regurgitate offline payment eco-system, pioneering in the credit financial services for those who are lack of credit history and maintain loss rate under 1.5% simultaneously

• Manage data analytic of Portfolio Inactive card business, build Inactive model to differentiate CMs by spending pattern, purchasing behavior and off-us information. Conduct ad-hoc project to evaluate campaign performance and to design campaign targeting strategies • Build a “Two Step Inactive Incremental Sales Model” to predict a long term inactive card member’s purchase active behavior to different marketing offers, the current model score is used as the ranking tool on a sub-segment of long term inactive to cut bottom deciles from marketing campaign