Michael Shing Email & Phone Number

Glendale, Arizona, Us

Established end-to-end data pipeline from external clients for premium audits.Standardized exposure data sanitization and intake formats.Created scripts to automate the premium calculation process to support Billing team in generating monthly invoices.Responsible for setting up dashboards that enable the Product Management team to monitor portfolio performance and track impacts of underwriting initiatives.Stood up the annual ground-up financial forecast process.Built various ad hoc applications using Python. - Batch VIN decoder using NHTSA API - Underwriting Questionnaire that interfaces with Snowflake to allow users to retrieve current active policies and store responses in a sandbox data warehouse to enable reporting.Lead and mentor a team of analysts who provide data and analytical support for Actuarial, Product, Claims, Billing, and Operations. - Leveraging LLMs to perform claims analysis such as loss cause categorization. - Provide Billing team with various BI tools to track outstanding account receivable, policy equity, as well as alerts for discrepancies between payment received and applied. - Create Agency Scorecard to help manage Brokers relationships. - Provide account specific loss performance analysis to equip Product Managers for renewal negotiations. - Perform complex calculations to account for Large Deductible not yet collected to reflect true loss performance.Foster a strong data driven culture that focuses on data integrity and excellence across the organization. - Educate front end users on the importance of clean and standardized logging of data. - Work with IT partners to improve data architecture and set up quality gates to ensure that data is valid and intuitive. - Demonstrate to Operations partners how to leverage technology to reduce human errors.

Palo Alto, California, Us

Walnut Creek, Ca, Us

Walnut Creek, Ca, Us

Responsible for building, socializing, and implementing product related predictive models.- Perform end to end functions from requirements gathering, variables selection, model tuning and validation, to documentation, socialization, and implementation.- Utilize GLM in SAS and Gradient Boosting Classifier in Python to build product upsell models. Collaborate with Marketing and Product Management to incorporate model results for campaign prioritization and agent training. - Build and maintain new business rate change elasticity model using Emblem GLM tool, and socialize result with Product for revenue planning.Participate in cross-functional Agile Retention team.- Identified operational opportunities around automatic payment process that lead to cancellation.- Performed rapid prototyping and A/B testing to prove effectiveness of new communication channel in preventing attrition, which translates to approximately $10 million additional premium annually.- Proposed solution to executive leadership team and successfully received funding for implementation.

Walnut Creek, Ca, Us

-Lead the insurance analyst team to develop and deliver decision-driving information to senior management.-Hire, motivate, and mentor staff.-Provide consultative support in many business areas including product management, rate-making, forecasting and modeling.-Review product performance metrics to determine the types of analysis needed and assigns resources and priorities accordingly.-Coordinate analytic efforts with other areas in the enterprise.

Walnut Creek, Ca, Us

-Collaborate with partners in Marketing to fine tune the members segments prediction model, and apply findings to drive customer acquisition strategy.-Conduct deep-dive/root cause analyses surrounding products performance and operational improvements, and present actionable findings to senior leadership teams to drive business results.-Serve as power user to consult IT department on establishing proper data requirements, and create reporting tools that help monitor performance of key business metrics.-Lead change management in area of expertise and facilitate inter-departmental communication to implement new product launch.-Led internal team effort and coordinated with business partners to generate 3-year forecast that aligns with organizational growth and profitability objective.-Provided guidance on SAS, Excel, analytical problem solving, and relational database concepts to peers.

San Francisco, California, Us

-Utilized external vendor’s data and decision tree to explore drivers for re-default activity.-Compared Imminent Default models performance and prepared presentation materials for discussion with government-sponsored enterprises such as Fannie Mae & Freddie Mac.-Provided sizing and severity forecast for payment shock impact due to government Step-Rate modification programs.-Reviewed current underwriting guidelines and performance, suggested amendments to optimize workflow and reduce application churn rate.-Created modification exceptions report for internal monitoring and to be presented to regulators. Discovered discrepancies between loan modification policies and operational implementation that resulted in policy adjustments.

Walnut Creek, Ca, Us

-Developed business quality index for Auto and Property products to predict customers’ loss experience and likelihood to retain.-Prepared and conducted PowerPoint presentation to senior management from different departments to socialize the model and demonstrate the effectiveness of the quality index report.-Revamped the Home Inspection Model to meet Underwriting budget requirements. New algorithm achieved an annual saving of $270,000 in inspection cost and doubled the rate of actionable results.-Provided guidance on SAS, Excel, analytical problem solving, and relational database concepts to peers.

Bachelor Of Applied Science (B.A.Sc.), Statistics/Computer Science And Actuarial Science

Education record