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Greenville, South Carolina, Us

• Manage Credit Line Management & Cross Production Conversion program for US and Canada.• Built new portfolio risk model, revamped Credit Line Increase program increasing CLI AR by 2X times while maintain same level of risk. • Developing early intervention program, and exist plan for OE customers to prevent loss, protect customers from over expanded while maximizing revenue.• Built brand new pre-approval campaign & pre-approval customers UW & Web journey for Single Pay to Open End Product & Secured Auto Loan Product.• Developing Conditional CLI & Requested CLI strategies using transaction data to expand CLI Eligible population as well as better support customers need while minimizing risk. • Led building Reporting Dashboards on CLI and Cross Product Conversion program.

• Managed Prescreen and ITA Direct marketing campaign including planning, forecasting, creative testing, and budgeting, performance tracking which drove 30% in cost of acquisition (COA) and 50% increasing in conversion rate and 5X growth in origination to DTC product.• Led analysis on customer lifetime value & using LTV metric to improve campaign effectiveness.• Provided marketing strategy & analytics support of eBay Seller Capital partnership (exclusive partner with Lending Point in US). • Streamlined bank audit and compliance reporting process for prescreen campaigns which reduced compliance error and improved customers experience.

Cincinnati, Oh, Us

1. Responsible for developing, optimizing and monitoring credit and pricing strategies for Prescreen customers2. Optimizing marketing spend, driving growth and maximizing profitability for prescreen campaigns3. Opportunities & new growth searching, existing strategies modifying 4. Responsible for developing the 2nd chance underwriting strategies using bank verify, income verify and bank transaction data to improve risk performance, approval rate and reduce friction5. Supporting fraud authentication flow and fraud analytics

Cincinnati, Oh, Us

1. Built Online Pre-approval program to Direct Market from scratch, which increase approval rate 2 times without additional risk2. Managed $15MM direct mail program, including campaigns planning, forecasting as well as targeting strategies to drive acquisition with 20% cost per funded loan below plan and ROI more than 200%3. Managed prescreen customers’ performance through underwriting credit strategies, pricing offer, loss mitigation and performance tracking dashboards. 4. Designed, created credit strategies & pricing for bank partnership products for new and existing customers through prescreen acquisition5. Built retention models and strategies to underwrite installment products using bureau information and historical customers behavior which generate $5MM revenue annually6. Led team to build multiple reporting dashboards focused on underwriting model monitoring, customers profiling, performance insights, problem alerts7. Managed, assigned and oversaw multiple projects for junior analysts and co-ops from start to finish

Cincinnati, Oh, Us

1. Implemented credit risk and targeting models, reduced model production time 30% by optimizing SQL and SAS queries2. Developed Q/C for every step in production process to ensure production quality and accuracyProvided campaign performance dashboards, which widely used by leadership and retail teams3. Identified and provided analytics and solutions to optimize campaign conversions and minimize risk 4. Coordinated with creative and e-commerce teams on A/B testing for mail content, landing page, promotion as well as cross-channel marketing combining direct mail, email and display ads

- Worked in data of Office of Children Abuse Prevention- Extracted, collected & integrated data from multiple sources, validated, QC to ensure data quality/ integrity using SAS Enterprise Guide and BASE SAS 9.4- Designed, maintained, updated visualization (Tableau, Excel) of patients demographic and historical medical problems - SAS programming optimization and automation for frequent data reports

Stillwater, Ok, Us

- Cataloged monograph, legal reference books, media, digital materials, and other resources- Managed library data, including hardcover books, e-book, CDs and other materials- Experienced working with database of monograph, serial, digital collection- Experienced in work individually or in group with coworker in many projects

Master'S Degree, Management Information Systems, General

Master'S Degree, Social Economic Geography

Bachelor'S Degree, Geography