• Acquired an in-depth understanding of both commercial and retail payment products, utilizing tools such as SQL/Excel to provide a solid foundation for identifying fraudulent activities across diverse financial transactions.• Developed a robust knowledge base in fraud detection and analytics, encompassing the intricacies of first-party and third-party fraud.• Gained hands-on experience in analyzing retail banking transactional data (exceeding 200k records), skillfully navigating complex datasets. Leveraged SQL for data manipulation and extraction, enabling the derivation of actionable insights for fraud prevention.• Excelled in the creation of complex features through SQL joining and various data manipulation techniques, significantly enhancing the precision of fraud detection models.• Successfully formulated rules to counter emerging fraud trends, such as Taxi Scams and Worthless Deposits in multiple locations. This bolstered the organization's defenses against evolving threats, with the support of SQL for rule implementation.

• Assessed data quality and accuracy in data sources, proposed treatments for data anomalies.• Segmented data into training and testing data set using stratified random sampling.• Conducted in-depth analysis of data attributes such as Delinquency, EI/CERB/CRB history, credit score, age,TDS/GDS, LTV, and loan purpose to identify potential risk drivers (i.e., predictors of default). Utilized businessexpertise and professional judgement to determine risk drivers (5C analysis).• Applied Weight of Evidence (WOE) transformation to evaluate the predictive power of categorical variables and cut-off of variables to incorporate business expertise.• Evaluated model appropriateness and performance based on in- and out-sample testing results as well as subgroupanalysis. Identified model limitations, weaknesses and effective range of use and triggers.• Quantified and graded risk-adjusted profits by creating multiple single-sheet Tableau reports, alerting the business toany sign of potential emerging risk or performance degradation.

• Translated business requirements into impactful marketing campaigns, leading collaborative discussions on campaign scope, communication channels (Phone, Email, Digital), and channel eligibility.• Utilized pre-sizing analysis to showcase selection counts at each campaign step, providing data-driven insights for refined selection criteria and effective budget control.• Finalized Marketing Requirement Specification (MRS). Meticulously prepared selection flowcharts and appendices, offering clarity on tables, fields, and filters. Adapted designs in response to evolving strategies.• Successfully executed ongoing campaigns, and spearheaded script development for new initiatives. Demonstrated proficiency in IBM Unica campaign development and orchestrated smooth SAS Platform Conversions.• Proactively communicated fluctuations to business stakeholders and addressed operational team inquiries regarding campaign inclusivity and exclusivity conditions.

• Collaboratively formulated an extensive Alipay campaign model in partnership with Alipay's technical experts.• Applied sophisticated data analytics methodologies, incorporating machine learning algorithms to delineate studentbehavior and payment inclinations.• Leveraged Python for comprehensive data preprocessing, feature engineering, and model construction.• Utilized SQL to efficiently extract and manipulate transaction data from diverse sources.• Crafted interactive Tableau dashboards, facilitating the visualization of payment trends, transaction behaviors, andcampaign performance metrics.• Executed A/B testing to meticulously assess the efficacy of campaign strategies.• Engaged in cross-functional collaboration with teams in marketing, finance, and operations to synchronize campaignobjectives and optimize implementation.

• Managed projects from initiation to completion, employing methodologies (Gantt Charts/ Micro Projects/ Visio/ Draw.IO) to meticulously oversee the entire project lifecycle.• Generated regular and insightful project status reports, encompassing critical decisions, dependencies, issues, risks, and quality considerations.