Jin'E Ye Email & Phone Number

浙江 杭州

B2B贸易金融风控

Shanghai City, China

- Work in CSE&WFM Function, which is a model and analytical function, supporting Discover customer service engagement and workforce management, with main responsibility in call volume forecasting, capacity planning and relative analysis for each line of business- 2015.8-2015.9, Business trip in US Headquarter, deep into business frontend and backend, and work closely with relative functions- Establish the team of New Account and CMA(collection) from scratch, with good documentation , such as knowledge library, clear folder structure, model document, communication log etc. - Develop and maintain forecast model for monthly/daily/Interval Inbound call volume in New Account area, which include 3 lines of business, Verification, Advanced verification and fraud- Develop and maintain forecast model for monthly/daily/Interval Inbound/Outbound call volume for CMA area, which include 11 lines of business, such as Pre-delinquency, 30 day Low, 30day High, 60day, Level 23 etc.- Provide timely supporting analysis, such as the impact to call volume due to strategy change or certain market campaign- Conduct analysis to find opportunity for operation process improvement, such as call routing process, optimized contact channel/timing to CMA customer for better collection - Good at time series model: ARIMAX

Shanghai City, China

- Work in Collection Strategy Team, Risk Strategy Department- Maintain all existing collection strategies for CMA accounts. Keep strategy updated or redevelop based on business need to make collection more efficient. Strategies include Pre-delinquent selection, Early Stage segmentation, Late Stage segmentation, Pre-legal Selection, and recovery channel placement, etc.- Provide timely supporting analysis, such as strategy expansion or restriction, policy change impact, CFPB audit, or performance findings, etc.- Manage collection report repository to centralize all reports. - Manage collection web library to document collection knowledge and key projects. - Assist design payment program offering, APR, Trial Mod, CAD, Workout, keep performance tracking and conduct relative analysis - Redevelop 30 day entry strategy, which determine the starting day of collection calls to cycle 1 account. The new strategy has higher operation efficiency with no more operation effort.- Develop a monthly consolidated report with 300+ metrics to cover all delinquent cycle accounts, for full scale tracking and easy comparison.- Assist the development, performance tracking and expansion for ‘Own Strategy’ which aims to enhance good customer relationship by assigning fixed account manager. Conduct in-depth analysis for performance comparison between Own and BAU process and among 3 centers- Familiar with Optimization technique and Decision Tree tools.

Shanghai City, China

- Work in Collection Model Team, Risk Model Department- Engaged in and get familiar with whole model development process, including model design, segmentation, and step by step building process, understand evaluation criteria.- Involved models: CRRM model to predict roll rate for delinquent cycle 1-3, BNKS model to predict bankruptcy probability for all card members, Recovery models to predict pay probability and liquidation rate for charge off accounts under different channels (Agency or Attorney) within different term (12M or 24M), SLC recovery models for student loans.- Redesign tracking reports and develop automation tools for all collection models. SAS macros consolidated and VBA tool created. - Familiar with linear regression and logistic regression model technique

Shanghai City, China

- Work in Optimizaton Team- Develop and implement risk models, provide decision analysis, assist Personal Financial Services (PFS) in managing risk throughout the entire credit management life cycle for the entire Asia Pacific areas in achieving their business plans. - Completed one optimization strategy project, which provides cutoff and initial line for a new type of HSBC credit card in Singapore. Starting from initial analysis using sample data, to segmentation analysis from different characters, to build models and generate strategies, finally determine strategy based on optimal scenario and business requirement.- Developed 2 VBA automation tools to decrease labor work and error chances. One for error checking in Excel output and the other one for generating project documents. Both are applied to standard project management, and highly acknowledged by manager and team members. - Have strong interest in risk management, and have certain knowledge of credit card acquisition, credit line increase/decrease, collection management and personal installment acquisition.

Shanghai City, China

- Work in Compliance Department- File documentation, such as internal or group audit, product reports, staff dealing records etc.- Play a role as closely connected with regulators. Collect and distribute news reports, various notices and regulations from CBRC, then give HSBC’s feedback to CBRC. - Familiar with various kinds of risk that foreign banks face with and relevant control measures.

Shanghai City, China

- Summarize statistical methods related to online auction. These methods include: Regression analysis, Optimization Program, MCMC method, Cluster Analysis and Categorical Data analysis.- Help analyze programs, such as how to efficiently allocate resource, how to value customers and categorize them.- Gain business knowledge and become familiar with statistical application in E-commerce.

Master'S Degree, Mathematical Statistics And Probability

Activities and Societies: Teacher Assitant for IMBA course “Data, Model and Decision” for International students- GPA: 3.65/4, rank No.1.

Bachelor Of Applied Science (B.A.Sc.), Mathematics And Statistics

Activities and Societies: - China mathematical contest of modeling - Party branch secretary- With excellent study, I was chosen to Fudan.