John Zhao
Senior Data Analyst at MPR Consulting Inc.- Claim this Profile
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Topline Score
Bio
Credentials
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Certified Advance Programmer for SAS 9
SAS Institude -
Certified Base Programmer for SAS 9
SAS Institude
Experience
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Senior Data Analyst
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Jan 2014 - Present
Conduct ad-hoc analysis for default rate volatilises by different segment groups (rate class or credit score group) using SAS BASE data step conditional processing/proc sort/proc freq, dig out the cause for recent default rate increase and profile the analysis. Visualize the result with SAS proc gplot and generate the ad-hoc report with SAS proc report.Conduct Behavior Analysis on current clients’ risk behavior on company’s monthly subscription product by segmentation/profile using SAS… Conduct ad-hoc analysis for default rate volatilises by different segment groups (rate class or credit score group) using SAS BASE data step conditional processing/proc sort/proc freq, dig out the cause for recent default rate increase and profile the analysis. Visualize the result with SAS proc gplot and generate the ad-hoc report with SAS proc report.Conduct Behavior Analysis on current clients’ risk behavior on company’s monthly subscription product by segmentation/profile using SAS BASE conditional processing/proc freq/proc sort, based on client’s outstanding balance and repayment behavior.Validate & monitor PD application credit scoring model with SAS STAT on Level 0. Test the model’s statistical performance by proc logistic and proc gplot (ROC/LIFT chart). Test the model’s predict power by apply the model to Test Data. Use proc iml to conduct PSI check on the data stability of model, set up Traffic Light Indicator to indicate the stability level of the data.. Show more Show less
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Senior Data Analyst
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Dec 2010 - Jan 2014
Conducted segmentation and retention to specify the first year churn of new clients with different products combinations (checking & saving account/credit card etc) by SAS/SQL. Proceed pre-campaign & post-campaign assessment by SAS EG focused on the KPI such as churn rate. Identify the most reduction of first year churn based on different product combination using SAS/SQL. Design the campaign focusing on the KPIs. Deliver the analytical result by SAS proc report/proc gplot// SAS… Conducted segmentation and retention to specify the first year churn of new clients with different products combinations (checking & saving account/credit card etc) by SAS/SQL. Proceed pre-campaign & post-campaign assessment by SAS EG focused on the KPI such as churn rate. Identify the most reduction of first year churn based on different product combination using SAS/SQL. Design the campaign focusing on the KPIs. Deliver the analytical result by SAS proc report/proc gplot// SAS application/Tableau to decision-maker.Conduct channel analysis for CRM to support product design for certain channel customers for ongoing marketing campaign through segmentations & profile method in order to deliver characteristics of certain channel customers and recommendations for product design of the campaign. Profile the established customers in different channels and generate the report by SAS proc tabulate/proc report/Tableau. Increase the work efficiency by SAS Macro to achieve automation of standard reports.Conduct ad-hoc analysis on sales performance fluctuation by SAS/SQL with segmentation(different sales teams, different area, different products) and get the business inside. Generate the ad-hoc report use proc report/proc tabulate/Tableau.Developed PD model (credit behavior score model) for home loan under BASEL to predict current clients’ probabilities of default. Apply the multi-layer credit risk modeling approach: Level 0) ETL by data step/proc import and conduct Outlier Detection by proc univariate, detect Miss Values by proc freq/ nmiss option and set up the Miss Value Indicators in SAS EM; Level 1) develop PD model by proc logistic ;Level 2) Calibrate with proc means & Test model statistical performance by proc logistic and proc gplot (ROC/LIFT chart). Show more Show less
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Business Analyst
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Dec 2010 - Jan 2012
Conduct ETL to load data files (txt/html/xml/mdb/mf) into SAS by SAS libname statement or SQL pass through facility. Use SQL Join/data step merge to join different tables based correct Entity Relationship and Data Hierarchy Structure.Conduct RFM (recent/frequency/money) analysis on CRM on the client’s recent purchases and to predict their likelihood of future purchase after the campaign with proc sort/proc freq/ SQL summary function.Modify points reward offers for CRM retention by… Conduct ETL to load data files (txt/html/xml/mdb/mf) into SAS by SAS libname statement or SQL pass through facility. Use SQL Join/data step merge to join different tables based correct Entity Relationship and Data Hierarchy Structure.Conduct RFM (recent/frequency/money) analysis on CRM on the client’s recent purchases and to predict their likelihood of future purchase after the campaign with proc sort/proc freq/ SQL summary function.Modify points reward offers for CRM retention by Revue analysis on CRM with SAS proc sort / SQL summary function to identify the revenue each client contributed and to support the cross-sell campaign. Segment the clients by their total purchase amount and assign them to ordinal groups by conditional processing. Goal is to raise the active rate in low value customer and reduce the voluntary churn rate of high value customer segment. Show more Show less
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Education
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University of Toronto
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