- Credit risk strategy: develop complete credit risk management framework for the credit business, include approval and amount strategies. Under the target of overdue rate, design rules of costumer segmentation and multi-model decision strategies to optimize approval and credit amount overall. Develop and maintain dashboards with key performance metrics.- Data mining and rule decision: discover knowledge and make critical business decisions from huge volume of both internal data and external data for credit risk management. Through analyzing third party data, mining variables from User-Based Tracking data, and modeling jointly with UnionPay etc., make decisions to balance user experience with incorporating new elements for risk strategies, finally lower vintage 20% relatively in 2020.- Global thinking and cross-teamwork: communicate and collaborate with cross-functional teams, look for improvement to the whole business line. Using risk experience help market launch precisely to target user and gradually form a positive cycle of user’s quality.- Delinquency prediction and work planning: monthly synthesize new rules and predict risk impact as well as the Vintages, evaluate the quality of assets and decide the market environment factors; make timely adjustments to the approval and amount strategy, breakdown target to specific strategies and monitor the results.- 全流程信用风控策略：为主营全新业务线“优选贷”从0到1搭建完整风控策略。针对质量上浮人群差异化定制风控策略，包括审批准入策略与额度策略。利用策略规则结合多模型分数共同决策审批边界；根据用户画像、额度模型等制定基础额度，并辅以关键维度调额；并差异化用户定价。- 数据挖掘与风控策略制定：识别灰黑样本特征，通过数据源分析、NLP变量挖掘及联合建模等（如：银联、腾讯友盟），结合模型与规则策略，累计分析50+个内外部数据源，挖掘有效变量30+，挖掘及落地了银联联合建模模型分等，2020年降低整体风险水平20%（相对值）。- 跨部门合作与产品优化：与产品、业务等各团队沟通协作，提升业务线整体转化率。优化用户自填信息设置，搭建交互式提额系统，平衡用户体验与风控目标，8个月内实现该业务线盈利。- 策略汇总与逾期率预估：每月预估成交资产的逾期率水平，保持准确性在0.5%以内（绝对值）；并根据预估结果及时调整下月收放量等决策，拆解策略目标并监控结果。

- Small and micro enterprises credit risk analysis: analyze the cash flow data to predict the ability of borrower to repay loans. Through modifying and testing codes, writing and publishing rules, optimize the decision engine.- Monitor system construction: prepare the monthly formal credit risk analysis report on assigned clients, including industry, business and entrepreneur’s individual credit analysis.- 小微企业信贷策略优化：分析小微企业银行流水等数据，预判企业还贷能力，优化给额体系；完成代码编写、测试，以及相关规则的撰写发布，持续迭代风控决策引擎，提升信贷系统审批效率。- 监控系统搭建与自动化：通过SQL、Python等工具，在Tableau实现所有监控报表的自动化，显著提升风控部门工作效率；针对公司用户、服务行业与产品类型等每月形成书面风控报告。

- Business data analysis: analyze the courses, activities and product sales data, provide feedback and improvement suggestions to the operation and education team, and form monthly analysis report to CEO.- Precise community operations: establish the customer classification models for online wine products and offline events, improve the products conversion rate 50% relatively.- 业务数据分析：公司活动及课程运营等数据的统计分析。每月完成数据汇总分析，提出改进建议，优化课程设置，定期向公司合伙人汇报，实现每月线下活动的顺利开展及不断改进；- 用户画像与精准社群运营：完善消费者画像，通过社群运营提升产品销售转化。建立并调整客户群体分类模型，实现线上葡萄酒产品及活动的精准社群运营，使产品转化率提升50%（相对值）。