Wen Yang Email and Phone Number
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• Subject matter expert in card & consumer lending products acquisition (underwriting, initial line and pricing) and portfolio (CLI, CLD, line increase request, closure) credit risk management with 10+ years’ experience.• Rated as outstanding employee in year end review multiple years• Business oriented mindset with solid hands-on experience in data-driven strategy development and advanced analytics.• Self-motivated learner & Assertive influencer with outstanding leadership & team management skills.Feel free to reach out at awenyang77@gmail.com
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Senior Manager/Vp - Portfolio Credit Risk Strategy & AnalyticsBarclaycard Apr 2021 - PresentLondon, Gb• Lead a team on exposure management & rigorous credit risk control of 20mm card portfolio through deep-dive analysis and strategy design, managing credit risk strategies including active and proactive CLI, systematic & judgement CLD, inactive account closure and unused line management. • Coaching and developing new hire/intern through facilitating cross department training on industry knowledge, decision tools (credit bureau & vendor data), decision-making process and analytical software usage (AWS, SAS, sql, knowledge seeker, etc).• Tightened CLI/CLD strategy amid COVID to mitigate credit risk leveraging new tools and re-evaluate legacy policy relevant rules, For CLD: increased 30% annual volume with neutral loss; For CLI: achieved 10% loss reduction with neutral volume.• Expanded credit line increase strategy with 20% volume increase and $15mm PBT gain post COVID, by leveraging ML based internal scores to relax global rules.• Re-designed & optimized card reissue strategy by incorporating existing line increase/decrease criteria for more robust portfolio exposure management. Reissue approved card member could be offered higher or lower credit limit based on risk & spending. Strategy has improved reissue approval rate by 5% with $10mm exposure reduction• Portfolio RWA optimization: Led the analysis of identifying $1.1Bn asset based on ROTE & risk weight hurdle, supported internal/external legal/compliance and deal team to build pipeline on risk transferring of identified portfolio to Blackstone, this deal has reduced portfolio $RWA by $1Bn and improved ROTE by 5%
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Manager/Avp - Credit Risk Strategy & Data AnalyticsBarclaycard Sep 2020 - Mar 2021London, Gb
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Manager, Us Personal & Business Banking/Product AnalyticsBmo Harris Bank Sep 2019 - Aug 2020Chicago, Illinois, Us• Improved bank produce sales volume by 20% through product feature vs. targeted customer deep-dive; Designed and launched data-driven/allocation sales-based banker incentive plan first time in BMO.• Reduced 10% FTEs across branches via tracking report automation & forecast process optimization (for budget spending, sales goal achievement and participation#% trend). -
Lead Data Scientist — Credit Risk Aquisition ManagementDiscover Financial Services May 2017 - Sep 2019Riverwoods, Il, UsCreated and expanded acquisition risk management strategies covering underwriting, pricing determination and initial line assignment of near prime, student, and thin file (valid/missing FICO) segments, with optimized profit and rigorous credit/fraud risk controlling.• Credit card acquisition risk management strategy across all segment (scored thin file, near prime & student): - Expanded near prime UW leveraging clarity and trended data to marginal risk population annualized ~50m incremental volume impact - Revamped the UW strategy and largely increased approval rate & profitability of new to credit population (student and thin file valid FICO) leveraging vendor & internal first party fraud score (MCI) after thorough analysis, with 10+% vol incremental and ~$3mm profit increase. - Led the analysis and launching of Thin file/Near Prime (0.4M annually) acquisition line strategy revamp; Managed key stakeholders including marketing, legal, compliance and implementation team for timely delivery.• Tested & rolled out decision bureau switch (Equifax to Experian) on student (~700K annually) & thin file missing FICO (~110K annually) prospects; Adjusted the full acquisition strategy (underwriting/pricing/line) during the bureau switch process for new bureau adoption. Impact: Neutral volume with reduced credit & fraud loss (15% loss reduction).• Significantly improved thin file segment profit (by 15%) through the designing and launching of low-and-grow credit line strategies covering both acquisition initial line assignment & portfolio early life expedited line increase strategy on 200K new prospects with neutral loss impact. • Mitigated > 50% loss through the identification of an emerging fraudulent population (80% 2+dlq $% @ mob 6) among thin file segment by leveraging acquisition channel & region code (MSA), led & launch cross-team risk mitigation project (fraud/marketing/legal credit ops) based on the findings from end to end within a month. -
Senior Data Scientist — Credit Risk Aquisition & Portfolio ManagementDiscover Financial Services Jul 2015 - Apr 2017Riverwoods, Il, UsManaged the 6mm (account volume) near prime portfolio early life (MOB < 12) and matured life portfolio line strategy from design to execution, including line increase, line decrease, account closure and reissue.• Tested and rolled out semi-random proactive credit line increase strategy based in test reading on near prime accounts to drive receivable growth. Impact: 0.5Million accounts with 7% receivable/10% exposure increase.• Revamped credit line decrease strategy on high-risk near prime accounts to mitigate credit losses leveraging trended credit bureau attributes, on us customer behavior and demographic information, overlay with internal model score. Impact: ~10% loss rate reduction and ~5% loss saving in portfolio early life (<12Month) stage.• Led Shanghai team to design and operate credit risk reports for key business metrics.
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Data Scientist — Credit Risk Acquisition & Portfolio ManagementDiscover Financial Services Apr 2014 - Jun 2015Riverwoods, Il, Us
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Business Analyst IIngram Micro Aug 2013 - Mar 2014Irvine, Ca, Us• Redesigned product-based customer targeting strategy to improve marketing campaign targeting efficiency; Meanwhile helped on automating the campaign execution to reduce operational complexity and improve execution efficiency. Impact: response rate increased by 30% & efficiency improved by 20%. • Proposed data-driven solution to determine the pricing margin based on customer sensitivity, vendor rebate, seasonality, market change and historical behavior trend to maximize the profit margin of various IT products.
Wen Yang Skills
Wen Yang Education Details
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Michigan State UniversityStatistics -
Michigan State UniversityBiosystem Engineering
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Sichuan UniversityBiotechnology
Frequently Asked Questions about Wen Yang
What company does Wen Yang work for?
Wen Yang works for Barclaycard
What is Wen Yang's role at the current company?
Wen Yang's current role is Senior Manager/VP - Credit Risk Management | Data Science | Advanced Analytics.
What is Wen Yang's email address?
Wen Yang's email address is we****@****ver.com
What is Wen Yang's direct phone number?
Wen Yang's direct phone number is +184731*****
What schools did Wen Yang attend?
Wen Yang attended Michigan State University, Michigan State University, Sichuan University.
What are some of Wen Yang's interests?
Wen Yang has interest in Python, Frm, New Technology, Dancing, Machine Learning, Sports, Data, Piano.
What skills is Wen Yang known for?
Wen Yang has skills like Statistics, R, Data Analysis, Analysis, Microsoft Office, Sas, Time Series Analysis, Spss, Matlab, Research, Statistical Modeling, Microsoft Excel.
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