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Calvin Gu profile image

Calvin Gu

Director of Predictive Analysis at Credit Acceptance
Intro Book
Calvin Gu, a seasoned risk management expert with a Ph.D. in Statistics from Columbia University, holds expertise in forecasting, analytics, and portfolio management, with over 15 years of experience in leading predictive analysis teams.
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Location
Cincinnati, Ohio, United States, US
Languages
  • English -
  • Chinese Native or bilingual proficiency
Skills
  • Forecasting
  • Risk Management
  • Direct Marketing
  • Statistics
  • Portfolio Management
  • Show all
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Bio

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Calvin Gu is a seasoned risk management expert with a Ph.D. in Statistics from Columbia University, where he developed a strong foundation in mathematical statistics and probability. As a seasoned director of predictive analysis, Calvin has leveraged his expertise in forecasting, statistical modeling, and data mining to drive business growth and optimize portfolio management at top financial institutions, including Credit Acceptance, PNC, and Capital One. With native fluency in English and Chinese, Calvin excels in navigating complex global markets and communicating with diverse stakeholders.

Experience

  • Credit Acceptance
    • Mason, Ohio, United States
    • Director of Predictive Analysis
      • Oct 2022 - Present
      • Mason, Ohio, United States

  • 53 Bank
    • Cincinnati Area, OH
    • Director Of Analytics
      • Jun 2016 - Sep 2022
      • Cincinnati Area, OH

      Manage all aspects of BAU model development over credit lift cycle for various consumer/commercial business. Consumer products include Mortgage, Home Equity, Direct/Indirect Auto Loan, Personal Loan/Line, Credit Card. Commercial products include CRE, C&I, Leasing, Large Corp, Middle Market, and Small Business.

  • PNC
    • Greater Pittsburgh Area
    • SVP Group Manager
      • May 2015 - Jun 2016
      • Greater Pittsburgh Area

      Analytic and Portfolio Management Model Development

  • Capital One
    • McLean, VA
    • Senior Manager
      • Jun 2012 - May 2015
      • McLean, VA

      CCRM Credit Risk Model Validation

  • Citicorp
    • Long Island City, NY
    • SVP
      • Apr 2010 - Jun 2012
      • Long Island City, NY

      Credit Scoring and Model Inventory

  • Calvin & Anthony Associates, Inc
    • Buffalo/Niagara, New York Area
    • Owner
      • Apr 2009 - Apr 2010
      • Buffalo/Niagara, New York Area

      Consulting firm helps client to develop statistical solution for business problems. Specialize in financial, database marketing and insurance. Develop and implement underwriting engine, loan level BASIL type statistical model includes forward looking economic indicators to stress testing existing portfolio, portfolio pricing and trading, mortgage loan modification optimizer, collection strategy to deal with borrowers behind payment to minimize the risk. Provide database analytic solution for marketing company to better understanding customer needs and design the right product and price for targeted customer segments and increase the effectiveness of database marketing.

  • HSBC
    • Buffalo/Niagara, New York Area
    • SVP, Risk Modeling Director
      • Oct 2005 - Apr 2009
      • Buffalo/Niagara, New York Area

      Underwrting engine, forecasting, stress testing & BASELII models, collection strategy and product expansion.

  • Comerica
    • Greater Detroit Area
    • VP, Risk Mgmt
      • Apr 2004 - Oct 2005
      • Greater Detroit Area

      Quantitive method and model manager for wide array of commercial loan portfolio including large corporation, middle market, small business, international, leasing and commercial real estate. Ad-hoc project support such as AML.

  • BNY Mortgage Company
    • Brooklyn, NY
    • VP, Risk Mgmt
      • Oct 2002 - Apr 2004
      • Brooklyn, NY

      Mortgage underwrite engine development, risk management reporting.

  • Repulic National Bank of New York
    • Brooklyn, NY
    • VP, Risk Mgmt
      • Oct 1997 - Oct 2002
      • Brooklyn, NY

  • Cendant
    • Stamford, CT
    • Assistant Manager
      • Oct 1996 - Oct 1997
      • Stamford, CT

      Origination, portfolio analytic, collection, and commercial dual risk ratings

Education

  • 1990 - 1995
    Columbia University in the City of New York
    Doctor of Philosophy (Ph.D.), Statistics
  • 1986 - 1989
    Fudan University
    Master’s Degree, Mathematical Statistics and Probability
  • 1982 - 1986
    Fudan University
    Bachelor’s Degree, Mathematics

Suggested Services

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Industry Focus. “Computer and Network Security”

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