• Led the team to develop a new digital credit card product feature by adopting design thinking process, and collaborating with IT, design, brand, marketing and operation teams to deliver it to the market• Performed the risk and performance analysis and valuation for the company’s successful bid to acquire an external credit card portfolio of $8B• Collaborated with cross-functional teams to execute within two years two successful high quality conversion of newly acquired credit card portfolio of 10M accounts to the company’s platform, and was responsible for customer retention strategy during conversions• Analyzed early transaction data and developed the first real-time transaction-based strategy in the company to reduce first party frauds by $30MM annually, and led credit analysis, statistical modeling, operation and IT teams to successfully launched the strategy in less than 6 months at the height of the financial crisis• Managed the loss reporting and forecast process for the company’s consumer credit portfolio of $50B• Led the company’s portfolio analytics team for the credit card business to understand economic environment, customer behavior, credit risk and portfolio trend