• Managed the company’s extensive risk management operations, including anti-fraud, acquisition, underwriting, portfolio management, collections, asset quality control, provision and CECL modeling, predictive and risk modeling, MRM, quantitative analysis, risk-related R&D, team supervision for regional offline risk management and collection teams (team size: 3100+, customer base: 184+ million, GMV: ￥210+ billion, portfolio under management: ￥100 billion)• Oversaw general management of Lexin’s international business operations in Indonesia, Thailand, Mexico and Pakistan• Directed comprehensive risk management for the company’s innovative business lines, including the e-commerce platform and BNPL ventures, industrial finance, and financial technology empowerment initiatives• Responsible for the company’s business planning and development strategy formulation as a member of the Management Committee, key decision-making as a member of the Decision -Making Committee, and crucial investment evaluation and decision-making as a member of the Investment Committee• Handled analysis and communication of risk performance, as well as planning and forecasting for earnings release, external auditor reviews, regulatory agency evaluations, financial institution and investor and analyst Q&A sessions

•Built, cultivated and managed a high-performing team of 200+ members, specializing in risk management, data mining, algorithm research, product development, operations, business development, and R&D•Developed and executed strategic planning, product design and implementation of data-driven technologies, such as AI and deep learning, for all 6 business lines of ZRobot including Big Data Products, Credit Evaluation (Individual and SMEs), Intelligent Decision Engine & SaaS/PaaS Products, Financial Leasing Platform, Precision Marketing and Privacy Preserving Computation/Federated Learning- Successfully oversaw the development and management of credit systems (including credit scoring, user portrait labeling, blacklist, anti-fraud system, credit decision engine, data visualization BI system, etc.), acquiring 15 software copyrights and 3 patents; secured contracts with 400+ companies, resulting in a 150+% annual income and net profit growth- Responsible for providing risk management services to financial institutions that are funding sources of JD Jintiao and JD Baitiao - Pioneered the development and implementation of multiple industry-first solutions, including the "ABS Investment Decision Engine,” Online Automatic Risk Management Decision Engine for auto finance, and a SaaS service platform for financial leasing•Coordinated external data resources and governmental/regulatory partnerships (NDRC, CEIT, CRCPBC, Baihang Credit, Fiscal and Financial Department, etc.), and expanded channels through third-party collaborations•Responsible for the development of the personal credit product "Xiaobai Credit" of 360 million+ active users and 600 million+ registered users on JD.COM, team establishment, business development and overall strategic planning, R&D, marketing, operation and brand promotion of JD.COM Group's unified leasing business platform "Jingxiaozu"

• Built, trained and managed a high-performing team of 100+ members, specializing in risk management, data mining, and statistics• Successfully oversaw risk management for consumer lending and SME lending businesses, achieving a monthly loan origination of over 50 million• Developed and implemented the risk management decision engine, enabling online automatic and instant credit underwriting; established a comprehensive decision science framework and infrastructure, including data warehouse, modeling, predictive forecasting tools, and economic analysis• Managed third-party data evaluation, data resource integration, and the development of data products and risk management platforms• Led business development, market research, and product design from a risk perspective • Ensured timely communication with shareholders and the board of directors regarding the company's risk performance, business channel expansion, and short-, medium-and long-term financial forecasts and planning

• Developed and managed risk strategy for credit card transactions, underwriting and portfolio management of Discover credit cards and loan products globally, totaling $112 billion; oversaw performance tracking, ad-hoc analysis, and reporting• Led model development, deployment, performance tracking, and validation for various functions, including Marketing, Portfolio Risk, Fraud Prevention, Authorization, and Collections• Managed and coordinated model risk management, internal audit, compliance, and communication with senior management throughout the modeling cycle• Established and optimized risk strategy and model management control mechanism, continuously improving processes and procedures for risk strategy and model development• Designed and enhanced forecasting frameworks for credit losses and fraud losses of Discover credit cards and loan products• Managed and facilitated communication of strategic plans with internal audit teams and external regulatory agencies• Organized and coordinated modeling-related activities, such as national and internal modeling contests, modeling technology sharing sessions, and peer reviews

• Built, trained and managed industry-leading risk strategy and modeling team to ensure efficient, stable and high-quality output and highly recognized by the US headquarters• Led the team to win the most President’s Plate awards (the highest honor at Discover) in the history of Discover Financial Services (Shanghai)

• Responsible for credit risk management of over $1Billion high-risk pre-delinquency and early-stage delinquent credit card portfolio of Discover• Quantitative analytics and statistical modeling of the credit dynamics of high risk accounts• Formulation, development, deployment and performance tracking of credit risk strategies

• Initiated and managed strategies and projects (such as Discover Commercial Lending) in the Collection Strategy and Analytics team• Designed and developed time-series forecasting models for delinquent volumes, credit losses, bankruptcies and call center key operational metrics including call center right party contact rate, conversion rate and penetration of all lending products at Discover (including credit cards, personal loans, student loans, mortgages, commercial lending, etc.). Updated senior management throughout Discover and the executive committee on a monthly basis• Analyzed profitability and APR assignment of the credit counseling program and developed profitability forecasting models for eligible accounts. Significantly improved current credit counseling processes and profitability of the program • Developed, analyzed and tested effectiveness and financial impact of new payment models on all Discover payment programs• Enhanced existing reporting processes by documenting and automating data sources and codes used in all portfolio reports, validating and reconciling existing data sources across different reporting systems• Led team to produce and perfect daily, monthly and quarterly reports on key risk metrics including write-offs, roll rates, debt management programs, re-ages, portfolio performance, call center performance, etc. Updated senior management throughout Discover on a monthly basis and provided decision support

Strategic Leadership Program (SLP) Jul. 2006 – Jul. 2007• Executed targeted marketing strategies by leveraging in-depth analysis of credit bureau data, resulting in more efficient acquisition of new accounts• Designed and implemented fraud prediction models that were successfully integrated into the company's fraud prevention system, enhancing security and minimizing risk

• Conducted research and analysis on financial services sector stocks, providing buy, sell, or hold recommendations to the Investment Advisory Committee • Achieved annual fund returns that outperformed the S&P index by over 600 basis points, leading to recognition as the best student-managed investment fund in the United States by Harvard University

• Enhanced and built upon existing commodity and currency hedging process and database to create Management Information System, allowing better controllership, management, coordination and communication of information• Performed overall analysis of commodity and currency exposure and current hedging practices throughout GE Industrial

• Conducted research to identify profit potential and strategically position the company for maximizing market share, resulting in a 6% increase in unit output and an annual net profit growth of $800,000 • Established investment decision and budget control policies, offering valuable decision support to senior management• Spearheaded efforts to evaluate options for the largest investment decision in company history; presented recommendations to the board of directors and successfully raised $16.9 million in capital through the issuance of additional type A stocks• Regularly presented business performance updates and development strategies to the board of directors each quarter, ensuring alignment with company objectives

• Proposed and led efforts to enhance the data analysis section's role, coordinating a team to design a prototype for data analysis architecture and performance and operation scorecards, receiving strong endorsement from department heads• Offered comprehensive data-processing and analytical support to all departments, facilitating informed decision-making and process improvement