Experience

Evergrowing Bank

• Banking
• 1 - 100 Employee

• Head of Retail Risk Management, Consumer Bank

  • Feb 2015 - Present

   Risk preference system setup for consumer finance business running;  In charge of full credit cycle risk management including :Acquisition risk strategy setup, cut-off、initial line assignment 、portfolio management、collection strategy 、X-sell etc ;  Non-Performing Loan settlement;  Regular branch Business credit Audit;  Risk datamart setup &monthly MIS;  Risk preference system setup for consumer finance business running;  In charge of full credit cycle risk management including :Acquisition risk strategy setup, cut-off、initial line assignment 、portfolio management、collection strategy 、X-sell etc ;  Non-Performing Loan settlement;  Regular branch Business credit Audit;  Risk datamart setup &monthly MIS;



FICO

• United States
• Software Development
• 700 & Above Employee

• Decision Analytic Manager

  • Feb 2014 - Feb 2015

  Responsiblity: 1. Retail Risk Management Modeling – Acquisition & Portfolio management scorecard development; 2. Basel Risk Analytic Modeling for PD/EAD and LGD; 3. Credit Policy and Strategy development for retailing; Projects participated 1.GuangZhou Rural Commercial bank, Analytic Manager 2.Bank of Nanchang, Project Manager & Aanlytic Manager Responsiblity: 1. Retail Risk Management Modeling – Acquisition & Portfolio management scorecard development; 2. Basel Risk Analytic Modeling for PD/EAD and LGD; 3. Credit Policy and Strategy development for retailing; Projects participated 1.GuangZhou Rural Commercial bank, Analytic Manager 2.Bank of Nanchang, Project Manager & Aanlytic Manager



Moody's Analytics

• United States
• Financial Services
• 700 & Above Employee

• Assc Director, Implementation Services

  • Jul 2013 - Feb 2014

  Achievement:RWA system implementation project went alive for Bank of China, helps it to be one of first batch of Basel bank;

• Asst Director, Implementation Service

  • Apr 2010 - Jun 2013

  1. Basel II implementation (RWA calculation , Pillar I/III publication) for Bank of China2. Business Data Analysis, Mapping 3. Conduct User training on product features, BASEL II Accord, and logic of RWA calculation …4. RWA calculation, Basel compliance consulting and implementationProjects:1. Bank of China’s RWA (BOC) implementation, job role as project consultant during Apr,2010 ~ Mar,20112. SPD Bank’s RWA implementation (Phase I), job role as project leader from Mar,2011 to Mar,20123. BIII implementation on SPDB (Phase II), job role as product specialist from Apr,2011 on4. BIII implementation on BOC, job role as Project Manager from Sep,2012 on5. A-IRB implementation for BOC corporate on-balance exposure , Algorithm/Customization framework designer Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Assistant Manager Decision Analytics, Asia Pacific Consumer Credit

  • Jul 2006 - Apr 2010

  1. Developed the standard process for credit risk modeling for bank scoring development team. 2. Created the regional first forecasting analytic framework for portfolio management. 3. Part of development team for Annual Operation Plan decision. 4. Cutoff & Credit limit assignment Strategy design, acquisition policy rules’ design & validation 5. Developed, validated, and maintained predictive scorecard models throughout the credit cycle including origination, behavioral risk, bankruptcy risk, customer attrition and application fraud risk 6. Revenue modeling for retail credit and asset products 7. Create the first segmentation strategy for queuing project with aim to improve customer satisfaction by reducing their queuing time (Queuing project was launched by Hong Kong regional office to support the mission ‘queue shorter, bank better’, and has been pilot run on two branches- ChaiWan & Mongkok) 8. Experience in handling various data including data mart creation. Experience with Credit Bureau of Singapore (CBS), Thailand TransUnion (TU), Credit Information Bureau of India (CIBIL). Show less



TSMC

• Taiwan
• Semiconductor Manufacturing
• 700 & Above Employee

• Quality System Engineer, Quality Assurance Department

  • Jul 2005 - Jun 2006

  1. MI generation for capability & stability of production lines to senior management2. Monitored the production lines & machines by investigating production data to make sure six-sigma quality standard are met3. Training for engineers in terms of statistical method, software application (VBA, Splus) 4. Production process quality audit

• Quality Engineer

  • Jul 2005 - Jun 2006

  - MI generation for capability & stability of production lines to senior management- Monitored the production lines & machines by investigating production data to make sure six-sigma quality standard are met-Training for engineers in terms of statistical method, software application (VBA, Splus) - Production process quality audit



Nanchang University

• Education Administration Programs
• 200 - 300 Employee

• Lecturer

  • Jul 2001 - Jul 2002

  Courses Open: Linear Algebra, Probability & Mathematical Statistics Courses Open: Linear Algebra, Probability & Mathematical Statistics