Michael Shao Email & Phone Number

Chicago, Il, Us

Chicago, Il, Us

Riverwoods, Il

• Led two data science analysts to redevelop the Personal Loan Payment Model. Utilized a Dual Time Dynamics approach and Time-Series Modeling to incorporate vintage-level forecasting and spans pre-pandemic, pandemic, and rate-raising period.• Enhanced the model design to better align with business expectations for overpayment rates, achieving MAPE within 5%.• Migrated the personal loan model process from SAS to Python, cutting the runtime from 4 hours to 10 minutes.• Led the tax redemption project to support the expedition of tax reduction of $187MM cashback bonus expense following the IRS code by creating and implementing validated account-level logic within Snowflake.

Riverwoods, Il

• Managed student loan and personal loan payment and receivable models, providing insightful variance explanations for quarterly forecast results to business partners and contributing to the yearly Comprehensive Capital Analysis and Review (CCAR).• Optimized the student loan payment model by refining macro variables, reducing forecast discrepancies from 40% to under 10% Mean Absolute Percentage Error (MAPE) during the pandemic period.• Developed an analytical tool to monitor daily and monthly payments, track delinquencies, and assess customer profiles, enhancing payment visibility and risk management.• Lead the development of analytical frameworks for precise forecasting, eliminating the need for management adjustments and ensuring accuracy in predictions.• Devised and implemented complex queries and logics to identify irregularities in student loan accounts, collaborating with remediation teams to address compliance incidents efficient.

Fremont, California, United States

• Developed multiple interactive dashboards using SQL and Tableau, delivering on-demand reports for the compliance team. Implemented a rule-based model to flag risky shipments, averting losses amounting to $10,000.• Conducted comprehensive data analysis utilizing SQL, Python, R, and Excel, transforming raw data into actionable insights for addressing shipment issues. Contributed to a quarterly audit plan aimed at enhancing the shipping process.• Investigated documentation related to high-risk shipments, engaged stakeholders, and presented monthly findings to upper management, mitigating potential fines exceeding $5,000 per shipment.• Automated data updates and report generation through Python and R scripts, resulting in a significant reduction of 40 work hours per month for the team.

Irvine, California, United States

• Implemented and fine-tuned regex, XPath, and CSS selectors for web crawling, utilizing APIs to extract crucial data from retailers' websites. This initiative enhanced data quality and led to a 30%-40% reduction in JIRA tickets from the customer service team.• Developed interactive dashboards in Looker to identify and address unhealthy crawlers, successfully reducing outdated data from 30% to 20%.• Supported the migration of sellers from legacy crawlers to consolidated solutions, collaborating with the engineering and DevOps teams. This strategic move resulted in fewer instances and a significant monthly cost savings of $6,000-$7,000.

Irvine, California, United States

• Collaborated with various departments to sustain data integrity of Spartronics WIP tracker and generated ad-hoc analysis which increases on-time delivery rate of sales orders from 50% to 70%

Master'S Degree, Business Analytics

Bachelor Of Science, Mathematics

Activities and Societies: Tennis Club; Summer Session; Math CEO; Math Counts; Science Olympiad