Cindy (Xinyuan) Miao, CFA
Sr. Financial Analyst at Commonwealth Care Alliance- Claim this Profile
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English Professional working proficiency
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Mandarin Native or bilingual proficiency
Topline Score
Bio
Credentials
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Passed CFA level III
CFA Institute
Experience
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Commonwealth Care Alliance
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United States
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Hospitals and Health Care
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700 & Above Employee
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Sr. Financial Analyst
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Mar 2020 - Present
• Develop and continually refine financial models to efficiently drill into gross margin actuals versus budget variances analysis. Work closely with actuaries in understanding the gross margin trends and reserving policies. Provide commentary on month end financials deck for management review • Manage reinsurance program including claims data extraction and submission, premiums payment, and recoveries financial analysis. Work closely with reinsurance broker to develop policy renewal strategy • Monitor providers’ financial arrangements including monthly capitation, annual risk sharing and performance bonus. Conduct monthly Medical Expense Ratio (MER) analysis and prepare monthly expense accrual, quarterly forecast, and annual budget • Collaborate with internal data science team and providers to conduct complex historical medical claims reconciliation. Work as project manager to define roadmap, conduct analysis of data and financial statements Show less
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MilliporeSigma
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United States
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Biotechnology Research
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700 & Above Employee
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Financial Analyst
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Mar 2019 - Dec 2019
• Accessed data from ERP software (Oracle, SAP and TM1) and conducted monthly variance analysis. • Developed SQL queries to extract and manipulate historical business data, performed trend analysis, and developed forecasting model, which improved the quality of the forecast and reduced the forecast errors. • Coordinated with 10 business units’ controllers to prepare monthly consolidation of sales, spending, headcount and KPIs. Performed analysis of information logic and communicated with controllers to increase information quality. • Prepared annual operating plan and reviewed planning assumptions to create 2020 budget for supported cost centers. Carried out consolidation projects independently to improve planning process quality and efficiency. Show less
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BraunWeiss
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United States
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IT Services and IT Consulting
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1 - 100 Employee
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Financial Consultant Intern
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May 2018 - Aug 2018
• Performed market, business structure and historical financial analysis to develop strategic plans for clients, which were adopted and achieved a revenue growth of 20% in only two months. • Coordinated with clients to build detailed financial models for investment valuation, budgeting and forecasting, which improved financial management process and reliability of decision making. • Streamlined clients’ financial reporting process by implementing robust financial systems: coordinated with software engineer to customize systems’ functions, cleaned up historical financial data. Show less
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Brandeis Big Data Modeling Project
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Greater Boston Area
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Team Lead
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Jan 2018 - Apr 2018
• Prepared complex SQL scripts from Teradata servers for analysis and modeling. • Utilized R to apply machine learning regression and classification methods (such as SVM, neural network) for prediction analysis. • Evaluated the performance of different models and explored the misclassification rate of each model. • Designed advanced data visualization on statistical sentiment and n-gram analysis. • Prepared complex SQL scripts from Teradata servers for analysis and modeling. • Utilized R to apply machine learning regression and classification methods (such as SVM, neural network) for prediction analysis. • Evaluated the performance of different models and explored the misclassification rate of each model. • Designed advanced data visualization on statistical sentiment and n-gram analysis.
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Brandeis Corporate Financial Modeling Project
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Waltham, MA
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Team Lead
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Sep 2017 - Dec 2017
• Cooperated with the team to develop three statement model: identified and assessed assumptions in the model, forecasted the three primary financial statements based on schedules of accounts. • Performed discounted cash flow (DCF) valuations for target companies: produced free cash flow schedule and calculated enterprise value to support overall target companies’ valuation. • Structured dynamic business strategies and macroeconomic risk scenarios into financial model to perform scenario analysis. Show less
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Walum (Beijing) Investment Fund Management Co., Ltd.
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Beijing City, China
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Private Equity Analyst
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Jan 2016 - Jul 2016
• Maintained and developed investor relationship: connected and brought in our fund 8 new investors for a total capital commitment of 10M RMB or 1.4M USD. • Conducted primary fundamental research on key economic and investment themes, performed due diligence on potential investments, and prepared valuation using trading multiples, comparable transactions and discounted cash flow (DCF) to best determine an overall valuation. • Maintained and developed investor relationship: connected and brought in our fund 8 new investors for a total capital commitment of 10M RMB or 1.4M USD. • Conducted primary fundamental research on key economic and investment themes, performed due diligence on potential investments, and prepared valuation using trading multiples, comparable transactions and discounted cash flow (DCF) to best determine an overall valuation.
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HCIA & Company
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Beijing City, China
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Marketing and Communications Intern
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Feb 2015 - Aug 2015
• Coordinated with marketing team to identify potential marketing channels and design marketing campaigns. • Conducted marketing effectiveness analysis by calculating conversion rate and performing market research. • Built and maintained customer relationships: expanded customer base by 15% in 6 months. • Coordinated with marketing team to identify potential marketing channels and design marketing campaigns. • Conducted marketing effectiveness analysis by calculating conversion rate and performing market research. • Built and maintained customer relationships: expanded customer base by 15% in 6 months.
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UBS
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Switzerland
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Financial Services
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700 & Above Employee
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Trainee
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Jul 2015 - Jul 2015
• Trained in personal financial planning, investment portfolio management, enterprise strategic management and Fintech with a group of 15 participants. • Led team to win 1st Prize out of six teams for the seminar theme presentation about "entrepreneurial and family business decisions". • Trained in personal financial planning, investment portfolio management, enterprise strategic management and Fintech with a group of 15 participants. • Led team to win 1st Prize out of six teams for the seminar theme presentation about "entrepreneurial and family business decisions".
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Morgan Stanley
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United States
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Financial Services
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700 & Above Employee
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Trainee
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Feb 2015 - Feb 2015
• Attended a 2-day training in Leadership and Wealth Management. • Led the team to win first runner-up out of 10 teams in the International Financial Planning Competition: conducted investment screening, performed investment research and delivered investment presentation. • Attended a 2-day training in Leadership and Wealth Management. • Led the team to win first runner-up out of 10 teams in the International Financial Planning Competition: conducted investment screening, performed investment research and delivered investment presentation.
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Education
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2017 - 2018
Brandeis International Business School
Graduate, Finance, asset management concentration -
2013 - 2017
University of International Business and Economics
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