Leon Low Email & Phone Number

- Pioneer of Data Science Unit, primary point of contact with external vendors specifically in the context of Google Cloud Platform (GCP)- Developed an efficient ETL pipeline with R Studio, Cloud Storage, Cloud Functions, Dataflow and BigQuery, with PII anonymization- Transform old VBA automations to near instantaneous interactive reporting tools in GCP with GSheet, Apps Script and Looker Studio- Perform analytical tasks with SAS EG, VertexAI, Jupyter Notebook and BigQuery- Expert in portfolio management reports like Portfolio Quality Review (PQR), Credit Asset Quality (CAQ), Month On Book (MOB) Analysis, Loan Compression monitoring and BNM STATSmart Reporting- Data extraction with SQL, supporting data needs for >10 departments for all retail credit products: Mortgage, Project End Financing, Overdraft, Hire Purchase, Personal Loan, Credit Card, Share Margin Financing, ASB Financing- Developed and provide maintainence service for VBA automation on MIS and BNM Reportings- Approver for BNM STATSmart submissions- SQL script conversion among 4 different database systems: TSQL, Teradata, PostgreSQL, BigQuery- Operational risk assessor- OSHA Representative, First-Aider

- Leverage credit assessment & control processes with latest technology, closing the knowledge gap between developers & credit & business analysts.- Participated in data warehouse initial deployment, automated >30 spreadsheets and cross-divisional reports with seamless integrations from various Credit Reporting Agencies (CRA)- On top of those automations, built an ecosystem of real-time management information reporting (MIS) with Excel VBA, PowerQuery, PowerPivot & GSuite applications.- Supply research data for product development and authorized to create Credit Policies- Developed web application that saved hours of manpower in Investment Memo issuance to few minutes- Co-developed in-house loan origination tools, equipped with Financial & Bank Statements OCR technology.- Prototyped the backbone of P2P financing platform in collabration with Senior Software Engineers.

- Propose loan recommendations to headquarter backed by credit assessments on consumer / commercial applicants’ financial strength, CCRIS & CBM records and quality of collaterals.- Receive professional education and improvement of Financial Analysis skills by the bank’s knowledge centre.- Matching clients' financial needs within banks' mitigated risk exposure.- Attend signing of facilities agreements while capitalise every cross-selling opportunities.- Ensure credit administration and loan documentation comply with bank’s policy and regulations, namely, FSA, IFSA, AMLA, FEA, as well as, the standard turnaround time requirement by ISO standard for loan delivery service.

-Completed all 3 modules of PB TalentMax program.-Completed OTJ training of branch operations.-Exposed to first SME credit analysis after joining for 3 weeks.-Vonlunteered to multiple financial analysis trainings provided by knowledge centre.-Assisted branch in archieving 100% in profit target.

- Responsibilities include conducting sales, territory management, in-store tastings and merchandising.- Most fulfilling achievement: closing a sale of 60 bottles red wine in a single bill.- Been servicing demanding customers since age of 19 years old.

Bachelor Of Commerce - Bcom, Accounting And Finance

Activities and Societies: Monash University Student Associates (MUSA), Investmemt Club, Rock Climbing Club - Major in both Accounting.

Bachelor Of Commerce - Bcom, Modeling In Finance, Advanced Corporate Finance,Property Investment

Activities and Societies: International Student Ministry (ISM) - Exchange Program

Uec, Commerce

Activities and Societies: Club Chairman - Co-leader of Stage VFX production team for the Grand Centennial Carnival 2013