Xiaoteng C. Email & Phone Number

Shanghai, China

• Credit cards activation & binding promotion: Built dashboard for MT co-branded cards’ activation and binding, utilized DBSCAN model to identify the optimal locations for managers' offline service. With the help of activation intention model, PBOC credit score, etc., the overall activation rate of cards increased threefold (16% → 48%), and binding rate reached nearly 90% within 3 months.• Wealth products cross-selling: Established segmentation & cross-selling system for the bank's retail business, explored customer life cycle performance (2A3R), customers property value, RFM performance to accurately classify and profile customers. Built models (lgbm) for cross-selling wealth products, effectively increased target customers’ average AUM by 7% within 3 months.• Differentiated pricing strategy for installments: Made differentiated discount rate strategies for credit card installments based on customers’ funding costs and potential incremental non-performing loans and conducted A/B tests. The pricing strategy significantly improved customer first-time installment response rate (45% higher than the control group), with an overall ROI > 4.• Digital marketing for the Greater Bay Area customer: Identified high potential affluent customers via prediction model, and made precise marketing for cross-border products such as Southbound-Bond-Connect or USD deposits. Brought 35% bank's new-to-product cross-border customers.

Shanghai, China

• Promotion of refined marketing: For Industrial bank’s 6-point activity, made response model (DT) and conducted segment strategy for online marketing promotion. Under unchanged operational resources, brought 27% new customers to join the activity.• Credit card revolve risk identification: Established revolve business risk identification model for customers who continuously use credit cards’ revolving business. And made operational strategies based on the model results. Early warning and intervention were provided for high-risk customers.• Credit limit optimization of installment customer: Built a full life-cycle monitoring indicator system and indicator dashboard for installment customers. Adjusted target customers’ credit limits based on dimensions such as customer volume, income, and risk etc.• Iteration of marketing cooperative merchants:Analyzing and exploring the customers’ geographic and demographic attributes, combined with customer merchant consumption habits. Help iterated bank’s cooperative offline catering merchants into wider coverage "offline + online" merchants.

Shanghai City, China

• Product/Business Innovation: Sole analyst on optimized selling process. Be responsible for statistics modeling and client segmentation (SAS). In charge of target customers' marketing via various ways (e.g. WeChat Red envelope Cashback), enhanced potential customers' willingness.• Existing Clients Sales Management: Be responsible on client classification, sales list allocation and convert ratio daily report. Assisted in improving existing customers reloan or top-up via data analyses. (10% of whole business) • Remote(Online/Tele) Marketing Integration: Conducted transfer traditional telemarketing into high-efficiency mobile/online marketing (e.g. SMS H5 link, APP message). Analysed breakpoints of selling process, and integrate telesales follow through on the breakpoints.• Telemarketing Management: Monitored telesales' call duration and call numbers. Detected and solved problems in process of web/tele-selling as routine.• Acquisition Channel Management: Monitored cooperative customer acquisition channels, conducting SEO/SEM accurately.

• Managed and maintained the CRM database. Conducted reports from SAP & CRM systems.