Experience

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  RBC

  • Toronto, Ontario, Canada

  • Senior Product Manager, Co-Branded Cards

    • Oct 2022 - Present
    • Toronto, Ontario, Canada

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  Capital One

  • United States
  • Financial Services
  • 700 & Above Employee

  • Business Manager, Product Strategy

    • Jan 2019 - Sep 2022

    - Managed the second biggest revenue item and the third biggest cost item on P&L- Identified the root cause of increase in payment network cost, bringing insights into the highly complex cost for the first time- Developed a negotiation strategy to bring down the payment network cost by 50%- Developed a risk-return framework to assess new business opportunities

  • Senior Business Analyst, Product Strategy

    • Nov 2017 - Dec 2018

    - Led a core team of 4 to launch a new product from ideation to final execution - Defined product strategy and set priority for the team by analyzing the product economics, competitive environment and resource capacity- Defined business intent, identified required resources, managed 30+ stakeholders across 10+ teams- Worked with 10 tech teams from resource prioritization to execution, made quick judgement call on go/ no-go when unexpected testing issue occurred, and made sure full post-launch monitoring were in place- Coached 6 associates on the team on business valuation, stakeholder communication and project management- Led a project to improve product spend margin in face of further interchange challenge- Aligned leadership stakeholders on the areas of improvement opportunity, the priority list, objectives, and the thought process to solve the problem- Proposed negotiation strategy and prepared negotiation material for the senior leadership team

  • Senior Business Analyst, Customer Management

    • Sep 2016 - Oct 2017

    • Performed complex valuation analysis for authorizations with little guidance; generated high financial value by improving the authorizations strategy• Defined business needs and improvement opportunities for building a crucial and complex customer management function on a new platform• Delivered flawless project implementation by working closely with IT and operations teams, providing agents training, and creating comprehensive monitoring plans

  • Senior Business Analyst, Business Valuation & Credit Policy

    • Jul 2015 - Aug 2016

    • Took initiative to accurately forecast the rewards cost of a card portfolio with complicated rewards structure, aligning the team on the view for the first time since product launch, saving valuable analysis time• Designed and implemented a credit strategy to downsize an unprofitable customer management program by building a segment level valuation model • Trained call center agents on program economics to boost morale; improved customer communication messages that received positive feedback• Identified a flaw in the traditional forecasting method which caused deceptive discrepancies between actuals and forecast values; invented a new method that solved the problem, which has been adopted by the team since then

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  Rotman School of Management, University of Toronto

  • Toronto, Canada Area

  • MBA 2015

    • Sep 2013 - May 2015
    • Toronto, Canada Area

    • Dean's List; GMAT 710• Rotman Entrance Award $20,000; TOEFL Scholarship; scored at the 96th percentile• Rotman Scholar Award - Operations Management; Finance II: Corporate Finance• TA - Foundations of Accounting and Finance; Finance I: Capital Markets & Valuation• VP External of Rotman Asian Business Association• 1st place in CIBC Credit Case Competition - led the team to analyze the case from a correct credit risk perspective, performed financial projection and ratio analysis• Participated in BMO Stock Pitch Competition - conducted industry research and stock valuation analysis• Participated in McKinsey Case Competition - constructed financial model for a start-up company and conducted cost-benefit analysis of different business models

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  Capital One

  • Toronto, Canada Area

  • Senior Business Analyst Intern, Fraud Strategy

    • May 2014 - Aug 2014
    • Toronto, Canada Area

    • Analyzed current business strategies and proposed fraud strategy changes to senior management; improved customer experiences and increased profitability• Led a cross-functional team to implement a new IT infrastructure for a strategic initiative• Used SQL skills to conduct fraud segmentation analysis and laid the foundation for new segments’ fraud strategies

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  Starbucks (China) Company Limited

  • Shanghai, China

  • Treasury Analyst

    • Jun 2011 - Jun 2013
    • Shanghai, China

    Key member of Starbucks China treasury team. In charge of China treasury function from August 2012 to January 2013.• Streamlined bank account structure, increasing cash turnover ratio by 50%; resulted in 700 self-supported stores with limited funds, avoiding expensive external financing• Managed short-term investment portfolio; increased investment percentage by 20% and achieved investment yield of 1-year deposit rate with 1 month portfolio duration• Produced cash flow projection, initiated cash shortage alert to CFO, and provided financing solutions• Conducted dividend repatriation analysis for CFO• Developed and maintained relationships with 8 banks including CITI, HSBC, and Bank of America Merill Lynch, proactively seeking best deals for the company; initiated routine bidding process for daily investments• Managed relationship with insurance companies; reduced insurance fee rate by 10% by bidding and negotiation • Prevented a potential $3 million inventory write off by detecting unusual inventory pile up through financial analysis• Negotiated among 6 parties at 2 national banks and cross functional departments to launch point-of-sale integration project at no charge; reduced Barista’s transaction time by 140% and saved $2 million in expenses

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  Deloitte China

  • Shanghai, China

  • Audit

    • Jul 2010 - May 2011
    • Shanghai, China

    • Conducted senior level accounting adjustments with professional judgment in IPO audit• Uncovered significant accounting misclassification, ensuring accurate audit• Consolidated financial statements and converted between different standards; drafted audit reports under US GAAP