Experience

Genius Auto Finance Co., Ltd.

• China
• Financial Services
• 1 - 100 Employee

• 高级零售风险分析师

  • Jun 2021 - Present

  - 通过 SAS 等统计学工具，监控存量资产质量和风险策略表现，优化集团各品牌自动审批策略，在风险偏好维持不变的情况下，提升自动审批率、提高合同转化率； - 及时捕捉欺诈案件特征，结合新技术手段（如 GPS、设备指纹），对本品牌及 SP的新车和二手车分别部署新的反欺诈规则，提升反欺诈识别率； - 负责月度零售风险报表的监控，从品牌、产品等多角度监控风险情况，跟踪当前策略规则的有效性，并及时做出改善建议； - 负责语音外呼及声纹项目，统筹运营提出业务需求，与供应商及内部 IT 沟通具体方案，处理项目中的疑难点，推进项目进程，自动外呼替代 3%人工外呼； - 支持三方数据测试、传值测试，提出系统对接需求，争取 IT 资源，确保及时上 线。 - 通过 SAS 等统计学工具，监控存量资产质量和风险策略表现，优化集团各品牌自动审批策略，在风险偏好维持不变的情况下，提升自动审批率、提高合同转化率； - 及时捕捉欺诈案件特征，结合新技术手段（如 GPS、设备指纹），对本品牌及 SP的新车和二手车分别部署新的反欺诈规则，提升反欺诈识别率； - 负责月度零售风险报表的监控，从品牌、产品等多角度监控风险情况，跟踪当前策略规则的有效性，并及时做出改善建议； - 负责语音外呼及声纹项目，统筹运营提出业务需求，与供应商及内部 IT 沟通具体方案，处理项目中的疑难点，推进项目进程，自动外呼替代 3%人工外呼； - 支持三方数据测试、传值测试，提出系统对接需求，争取 IT 资源，确保及时上 线。



福特汽车金融公司

• 1 - 100 Employee

• 零售风险分析师

  • Mar 2018 - Jun 2021

  - 通过 Python 研究历史表现和当前趋势，对公司的自动化审批策略做出 2 次重大调整，共提升 25 个百分点；其中涵盖架构调整、人行衍生变量及新规则开发；- 研究并搭建公司的第一套自动化拒绝策略，其中用到了人行征信数据和第三方数据，覆盖近一半的人工拒绝，总拒绝率维持在原有水平；- 负责已有三方数据供应商及新供应商的对接，完成从寻源、采购、验收到付款的全套流程，跟踪监管政策对供应商产品的影响，及时寻找备用数据源避免影响业务；- 支持美国数据团队完成零售评分卡模型更新，从业务角度提出模型变量建议；- 分析各类风险指标、制作各种报表，对存量资产质量进行跟踪监控；- 定期汇总和分析逾期和损失件，及时提出对买件策略进行调整和优化的建议；- 每季度更新林肯品牌各车型最低保值金额，综合考虑销量、市占率、车型配置、成交均价等等因素，支持红地毯尾款金融产品

• 批发风控分析员

  • Feb 2017 - Mar 2018

  - 完成各项日常授信业务，对经销商信贷业务准入风险进行评估和控制；- 分析和判断经销商的经营情况、财务状况及偿债能力，并出具详细的审查意见；- 维持经销商关系，风控审核，批准或拒绝经销商临时额度、展点和仓库的申请；- 制作风险管理部报表，包括银监会五级分类报表。



Rio Tinto

• United Kingdom
• Mining
• 700 & Above Employee

• China Economic and Market Analyst Intern

  • Sep 2012 - Jan 2013

  - Provided economics analysis to the Rio Tinto Group, with a focus on China macroeconomics including linkages with global macro issues, by working closely with teammates from 3 countries - Wrote reports on issues including economics policy, property and infrastructure to help shape the direction of the business and provide input into strategic decision making at all levels of the group - Provided economics analysis to the Rio Tinto Group, with a focus on China macroeconomics including linkages with global macro issues, by working closely with teammates from 3 countries - Wrote reports on issues including economics policy, property and infrastructure to help shape the direction of the business and provide input into strategic decision making at all levels of the group



Bank of China

• Banking
• 700 & Above Employee

• Summer Intern

  • Jun 2012 - Aug 2012

  Skills gained: financial analysis, client relationship management, and banking business. · Provided clients consultation on innovative financial products, such as studying abroad fund and credit cards. · Handled customer queries related to specific banking business on a daily basis, such as loan requirements and procedures. · Developed over 50 new credit card users and reviewed the qualification and authenticity of their application. Skills gained: financial analysis, client relationship management, and banking business. · Provided clients consultation on innovative financial products, such as studying abroad fund and credit cards. · Handled customer queries related to specific banking business on a daily basis, such as loan requirements and procedures. · Developed over 50 new credit card users and reviewed the qualification and authenticity of their application.



Shenyin & Wanguo Securities Co. Ltd.

• Investment Banking
• 1 - 100 Employee

• Analyst Intern

  • Mar 2012 - May 2012

  Skills gained: financial analysis and data processing - Performed investment analysis reports for listed companies based on financial and operational metrics, including financial statement analysis and competitive benchmarking - Analyzed macroeconomics data including stocks and bonds, and capital market trends through Wind Financial Terminal by efficient use of Excel - Involved in the research on the correlation of stock and bond futures markets Skills gained: financial analysis and data processing - Performed investment analysis reports for listed companies based on financial and operational metrics, including financial statement analysis and competitive benchmarking - Analyzed macroeconomics data including stocks and bonds, and capital market trends through Wind Financial Terminal by efficient use of Excel - Involved in the research on the correlation of stock and bond futures markets



Photography Association, SJTU

• Shanghai City, China

• President

  • Mar 2010 - Jan 2011

  - Drew up semi-annual plans and carried out 2 activities per month by leading a group of 11 people - Initiated the First Photography Contest of SJTU, attracting 213 participants with 1062 entries - Drew up semi-annual plans and carried out 2 activities per month by leading a group of 11 people - Initiated the First Photography Contest of SJTU, attracting 213 participants with 1062 entries



Shanghai World EXPO 2010 ICP

• China
• Entertainment Providers
• 1 - 100 Employee

• Volunteer

  • Sep 2010 - Oct 2010

  Provided answers to visitors and assist those in need. Provided answers to visitors and assist those in need.



WWF

• Switzerland
• Non-profit Organizations
• 700 & Above Employee

• Volunteer

  • Mar 2009 - Mar 2009

  Publicized the campaign and promoted environmental awareness. Publicized the campaign and promoted environmental awareness.