• Responsible for strategy and analytics of the Amazon worldwide installments consumer credit risk and underwriting business• As the lead BIE, developed ETL pipeline and centralized dashboard to track various installments products including credit cards, inhouse installment, Affirm financing options in the Unified Financing Offer (UFO) project, designed metrics to quantify customers’ conversion from detail page glance view to checkout orders

Lead the BI team of 3 analysts to develop pipeline and dashboard for Amazon Global Store business

• Managed the design and implementation of Payment Arrangement reclassification strategy, accelerated suspension on high risk customers by 20 days and saved $4.2 Million bad debts in 2019• Led collection team and modelling team to jointly develop the next version of T-mobile behavior Score model, improved the scorecard performance by over 15% compared with the legacy • Used SAS and Tableau to create key business dashboards such as Roll Rate report to track customer’s delinquency transitions month by month • Through introducing vantage score, developed new collection strategy using dual score matrix and decision tree model, evaluated and optimized it through conducting champion/challenger tests

• Performed as a primary lead for Triad strategy and reporting design in the Dynamic Collection Project, which enabled a daily evaluation of customers with adaptive treatments driven by cycles delinquent and risk, estimated to create $75 Million annualized bad debt savings• Identified opportunities in preventing past due customers from financing, implemented in system and quantified to save $10 Million write-offs annually• During 6 months of UAT phase, led the team to calculate 550 decision keys used by Triad system, simulated the strategy flow to compare with system outputs. Collaborated with IT department to improve over 200 keys’ calculation, improved the data accuracy by 50%

• Analyzed profit models of the company’s investment derivatives • Recommended financial products to clients depending on their risk preference• Maintained risk assessment on clients with regards to personal loans

• As the leader of a team, Organized and collaborated with teammates to conduct comparison-study on various structured products in other financial institutions • Developed a comprehensive investment portfolio and achieved an expected return of 136 million dollars until the client’s retirement• Cooperated with teammates to make a final presentation to the bank’s supervisors