Accomplishments (a key member to the following projects):Creation of Fortune Auto Finance Company: A joint venture between Santander and Anhui Jianghuai Automobile Company (JAC)Investment in Bank of Beijing Consumer Finance Company (BOBCFC)Investment in Bank of Shanghai (BoS) as a strategic investor Set up Banco Santander Beijing Branch

• Advise the executive management of Santander on China strategies: share Chinese business culture and practices with the executive management; participate in the development of China’s strategies such as identifying partners, business lines and customers.• Develop relationships with key government agencies (CBRC, PBOC, SAFE, CIC and NDRC): meet with government officials to promote Santander; obtain approvals on all the financial licenses for Santander in China. • Source opportunities of investments and joint ventures for Santander in China: source and evaluate business opportunities in China for Santander; meet and evaluate potential partners for different lines of business (wholesale banking and retail banking); • Represent Santander for official communications in China: be responsible for all the ongoing communications with CBRC, PBOC and Chinese Sovereign Funds (SAFE and CIC); arrange senior-level meetings in China including the Chairman’s visits in China; represent Santander at Chinese government meetings and forums. • Develop and maintain C-level relationships in China: maintain all the C-level relationships for Santander in China and communicate with them on a regular basis; identify new business leaders and develop relationships.

• Led a process re-engineering project for Marketing of SCF in Spain: Assessed the previous marketing process and identified gaps with the best practices; created a solution with the introduction of “precision marketing” and “optimization of product offers” to the new process; developed marketing response scores for the new process and created new marketing strategies (Direct Mail and Outbound telemarketing). • Led a collection improvement project for SCF, Spain: created a new collection MIS process (vintage-based reporting) for the operational team; developed a suite of collection scores (by products) and implemented them in the operational system; designed and implemented an array of new collection tactics based upon the scores including optimization scheme of letters and phone calls to delinquent customers. • Led a re-finance project for SCF, Germany: assessed the existing operational process of re-finance and identified key issues for improvement; re-developed the “decision-making” process for approving and reject a re-finance request including developing some new refinance scores and using them in the new process; created new MIS reports for management’s review of re-finance results; implemented all the solutions in SCF, Germany’s IT system. • Led development of an origination solution for the post-integration of GE Money, UK into SCF, UK: evaluated the auto-loan origination process of GE Money, UK and analyzed the data from GE Money, UK; developed a new origination score based upon the combined portfolio; created a profit-driven “approve-reject” strategy, which was a great improvement from the “conventional” swap analysis which only focused on controlling loss rates.

MasterCard Advisors is the professional services arm of MasterCard Worldwide and it helps the banks on the globe which issue Mastercard credit cards with best practices of credit card management.• Conducted business s development activities and presented MasterCard’s solutions to perspective clients: develop business proposals and lead technical exchange meeting with clients.• Managed project deliveries to clients as a principal consultant: develop solutions and processes, conduct analyses and present business insights and recommendations to clients. • Hired and developed staff in business analytics and risk managementSamples of Delivered Projects (As the Lead Consultant)Developing Direct Mail (DM) Process of launching Small Business Credit Cards in the US for HSBC( US)Building Risk Management Process for Tesco Personal Finance (UK) Consumer Cards BusinessImproving Collection/Recovery Practices for Lloyd STB (UK) Impaired PortfolioEstablishing Marketing Segmentation Strategy for DZ Bank AG (Germany) Executing Due Diligence Analysis of RBS US Small Business Cards (Citizens Bank Portfolio) PortfolioConducting Diagnostics of GE Private Label Cards and Bankcards (GE US and GE UK)Developing SME Origination Scoring Models for WestPac Bank (Australia)

D&B is one of the leading providers of business information, tools and insight worldwide- a SME Credit Bureau worldwide.January 2005- November 2005Director, International Risk Management SolutionsDirectly supervise the international analytics teams outside the United States• Developed growth strategies for international analytical markets and be responsible for driving the revenue growth of D&B’s analytical services.• Managed the development and implementation of D&B’s international analytical solutions (including D&B’s generic predictive scores outside the US) in Western Europe and Japan.• Hired and trained analytical staff for D&B’s international offices.• Developed analytical solutions/products for multinational-corporations (MNCs) and manage the delivery of custom solutions.April 2004- January 2005Director of Analytical Consulting, US Risk Management Solutions• Consulted, identified and designed analytical methodologies that are based upon client needs and result in actionable recommendations and results. Present D&B’s analytical solutions to clients and take the leading role from D&B’s side at technical exchange meetings with clients’ staff.• Led D&B’s analytical team to develop custom solutions (credit risk scores or custom analysis) and be responsible for managing the delivery of projects with the client. • Lead Scoring Consultant for D&B’s SBRI (Small Business Risk Insight).Sample Projects (As the Lead Analytical Consultant)• Developed of AT&T’s portfolio management solutions• Developed of CitiCapital (Health Care Business)’s credit origination solutions • developed HP’s global risk management system• developed GE Commercial Finance’s portfolio management solutions (for Basel II )

• Developed single-handedly a consumer credit card loan loss forecasting system. For each portfolio and each business segment, the system constructed monthly loss forecast for the coming 24 months. It was unique at Chase because it combines time-series forecasting with econometrics techniques (structural equation model). The loss forecast is used in managing credit cards acquisition policies and in establishing credit line controls for risk management. • Developed Direct Mail response models for all the cross-sell initiatives that include credit cards, mortgage, and HELOC as well as investment products. The response models are used to determine marketing strategies and improve response rates of DM campaigns. Analyze DM test results using multivariate regression and formulate new marketing initiatives. The cross-sell response models improved the campaign response rate by about 35%.• Coordinated and participated in the auditing process of OCC (Office of Compliance of the Currency of the US Federal Government). Facilitation includes preparation of model documentation and presentation of modeling methodology and process.

A Global Leader of Manufacturing Optical Fiber, Cable and Photonic Products for Telecommunication IndustryManager, Forecasting and Marketing AnalysisDirectly Supervising a Team of Five Analysts• Led the team to develop new forecasting process for short-term Corning sales using time-series models (ARMA model) in SAS, resulting in a two-week reduction of turnaround time. The monthly multiple-dimension (by product, customer and geographic regions) forecast serves planning functions of Finance, Sales and Operation.• Developed econometric models to forecast the long-term market size and Corning long-term revenue: identify key drivers of the demand for photonic products (e.g. optical amplifiers and specialty fiber used for telecommunication systems); incorporate the long-term new product forecasts; conduct supply chain/value chain analysis. The long-term forecast supports decisions of operation expansion and corporate M&A activities.• Directed the team to develop the annual Business Plan; present the forecast to senior management and divisions’ general managers; incorporate the review feedback in the final forecast used for budgeting purposes; develop online monthly variance report and perform ad hoc analyses on shortfall against the business plan.

Led the team to develop FedEx long-range (7 years) forecast by using econometric models: identified key drivers of the demand for FedEx services through sophisticated statistical testing; incorporated the long-term new product forecasts using market research data; incorporated the long-term pricing scheme in the forecast. Assisted Corporate Finance with FedEx long-term P&L analysis. • Analyzed competitive intelligence data and forecast the outlook of the air-cargo industry: analyzed FedEx market share and its position in the industry; analyzed FedEx major competitors’ growth and strategies; identified revenue opportunities for FedEx in different segments. • Led the team to construct FedEx annual Business Plan and initiate new Marketing/Sales programs to achieve the goals; developed statistical processes to measure the impact of various programs and briefed the senior management on weekly or monthly basis.• Led the team to develop monthly short-range (2 years) rolling forecast: constructed forecast at multidimensional level (product, customer segment, sales region and distance zone); analyzed any shortfall against the Business Plan such as decomposition analysis and account-level analysis; presented monthly findings to the senior management.