• Recruit and lead product research, design, and development to deliver great products at scale, from ideation through to delivery and maintenance• Demonstrate strong technical proficiency and effectiveness in working with engineers to articulate ambiguity• Construct a point-of-sale (POS) product from 0 to 1 in an unstructured environment under a tight timeline• Launch POS with voice platform integration in pilot restaurants• Create a team learning culture for the latest restaurant technology and digitalization trends

• Team Management: Managed restaurant tech team to drive 100x GMV growth from $300k to $2.6M• Product Management: Led whole product lifecycle, from scratch, for POS core features and value-added services, such as shopping cart, menu management, payment processing, tipping flow, split bill, scan-to-order, tablet ordering, kiosks and 3rd party integration through Deliverect• Project Management: Became the voice of customers to identify pain points and opportunities. Collaborated with domestic and overseas developers, data scientists, and designers to define the scope of the project, architecture, and user experience• Relationship Management: Acted as the primary point of contact with Stripe and NihaoPay for online and in-person payment processing, and restaurant and driver payout

• New Product Strategy: Drafted risk policy in product requirements document (PRD) and implemented full cycle strategies, including qualification, transaction and early warning risk rules for payment terms product on Alibaba.com, a similar product to Amazon's Pay by Invoice; launched minimum variable product (MVP) within 2 months• Risk and Control: Managed credit, fraud and dispute risks for two B2B financial products ($46MM portfolio of payment terms and working capital loan) and prevent frauds for other payment methods, such as ACH and credit card with third-party vendors, including Yodlee, Fiserv and Worldpay• Data Analysis: Developed complex SQL queries to extract data and leveraged multiple sources to build internal risk ratings; launched credit line increase (CLI) campaign of $2.8 million incremental exposure, 7x YoY increase• External Data Source: Maintained relationships of funding partner including Kabbage and MSTS, and other KYC/KYB data providers, such as LexisNexis and Thomson Reuters

• Perform quantitative analysis and modeling for multiple consumer lending products with the goal of maximizing profits and asset growth, and minimizing risk, credit losses and other financial exposures• Create quarterly loss forecast including stress scenarios and incorporate sensitivities of key P&L items, such as interest revenue, interchange and expense to calculate net present value (NPV) that supports firm’s investment decisions• Develop complex SQL queries to extract data and use multiple databases to acquire financial data• Research on macro-economic change, portfolio trend and customer behavior shift to propose policy/procedural changes within segmentation structure to produce optimal results and control risk over business cycle• Serve as a liaison between FP&A and Risk Governance teams, build relationships with internal customers and external agencies, and participate in the roll-out of company-wide pilot programs

• Assessed loss given default (LGD) assignment for Business Banking line and loan portfolio based on collateral type, collateral shortfall, borrowing base monitoring etc. to ensure assigned value is consistent with actual LGD• Built a decision tree model based on cross line-of-business performance and credit risk indicators to develop targeting criteria of pre-qualified leads for a merchant services cross-sell campaign• Developed Excel MIS report for the next generation of credit line assignment (CLA) strategy for Small Business Card acquisition, and automate the process using VBA macros to avoid manual intervention