- $3B short term loans for 3 million unbanked/under-served customers in four international markets- Built datamart of 10k+ attributes derived mainly from alternative data; reduced average model implementation time from more than a week to one day- Sucessfully applied XGBoost, deep learning and knowledge graph in credit risk management and fraud prevention- streamlined the business process of the company's installment loan products by reducing redundancies; changes lead to better customer experiences and profit margin lift- Improved international operations team’s efficiency by three times through implementing individual scorecard/goal and incentive structure

- Managed a cross-country team that provided all analytical solutions for TU Asian Pacific (APAC)- Built bureau data products, including reporting, predictive attributes and generic bureau scores- Provided consulting services to financial institutes with solutions that cover all credit life stages- Led transition of analytical platform from traditional data warehouse to Hadoop/Spark/ML based big data environment- Built innovative solutions for customer behaviour clustering, new to credit/thin file risk models, and income models

- Optimized recovery strategies for major consumer lending portfolios including card, auto and mortgage- Worked closely with legal, compliance, technology, and operations team to upgrade existing recovery system and executed a new recovery strategy successfully- Designed Business Intelligence (BI) tools to track collections agencies' performance and came up with policies that greatly improved recovery efficiency

• Managed $7 billion credit card portfolio’s end-to-end risk management• Led projects to improve/optimize collections strategies including risk segmentation, contact strategies, and litigation/agency placements• Provided timely information for various audit requests from OCC, CFPB and internal audits• Supported major system changes to ensure all risk practices compliant to new regulations

• Owner of account level life-time valuation model• Developed credit policies for card products including internet booked card and BK card • Developed a creative marketing strategy for product offer rotation