● Reduced Loan Default Rate: Reduced overall loan portfolio default rate by 20% through refined credit scoring models and data-driven decision processes, enhancing asset quality and investor confidence.● Developed Credit Scoring Model: Developed and optimized a machine learning-based credit scoring model, reducing approval error rate by 25% in the first year.● Implemented Risk Management Framework: Implemented a comprehensive risk management framework, reducing high-risk loan proportion by 15% and controlling potential losses.● Increased Portfolio Returns: Improved loan portfolio returns by 3% through precise risk analysis and strategic loan approval processes, strengthening market competitiveness.

● Developed Excel dashboards, utilizing advanced Excel VBA macros, for streamlined operational analysis. Focused on sales representatives' key performance indicators (KPIs) – including sales revenue, income, team retention rate, etc. This initiative resulted in a weekly time savings of 10 hours in manual reporting.● Led CRM operations, conducting data analysis on business, user, and marketing data. Delivered periodic analysis reports for proactive decision-making. Contributed to a 35% monthly activity rate increase and a 20% uplift in conversion rate.● Implemented a SQL Server-based customer information database, planning and executing core business data indicator systems. Collaborated across data platforms to enrich customer profiles, optimizing customer management strategies. Achieved a 42% increase in customer activity through strategic online marketing.