Experience

Bidbrain

• Sweden
• Advertising Services
• 1 - 100 Employee

• • Nov 2022 - Present

• • Apr 2022 - Nov 2022



EnterCard

• Sweden
• Financial Services
• 300 - 400 Employee

• • May 2016 - May 2022

  • Created IFRS9 analytical dataset by incorporating all the necessary data for easy access and consistent definition; carried out various analytical tasks to develop IFRS9 approach for Entercard, incl. lifetime definition, PD recalibration, significant change in risk definition, EAD estimation based on CCF and etc.; on-going work with Entercard IFRS9 work stream to secure implementation according to regulatory requirement• Pilot ran NO loan application scorecard monitoring and continuously improving the report based on business needs during the growth phase• Built up in-house decision model monitoring pack and migrated the work stream from Barclaycard Decision Science team; established the model governance and control framework with Head of Existing Asset Management; on-going work to ensure all the controls will be carried out according to the frequency in model governance and control manual• Worked with Barclaycard model developer on new decision models; discussed with and gathered feedbacks from strategy team; provided guidance and challenge to the model developer from business perspective Show less

• • Jan 2015 - Apr 2016

  • Created quarterly credit risk related macro analyses to support Risk Management Committee discussion; provided CCO with analysis about impacts to NO portfolio due to falling oil price• Consolidated existing CLI policy rule table across our card portfolio to improve both control and efficiency of CLI process; the end result was leverage by loan acquisition team to set up consistent loan policy rules for SE/NO/DK• Conducted impact analysis on CLI underwriting policy changes by using NPV model Show less

• • Jul 2013 - Dec 2014

  • Developed the first correlation model for Entercard stress test and evaluated on an on-going basis• Updated and improved monthly credit risk report; developed new functions, such as monitoring tools for concentration risk, growth tracker and etc.; automated and streamlined reporting process by utilising SAS / VBA• Compiled requests for data changes within credit risk, communicated with DWH and tested the results



Swedish House of Finance

• Sweden
• Research
• 1 - 100 Employee

• Research Assistant

  • Oct 2012 - Apr 2013

  Took part in research on Swedish household finance. • Processed the Swedish household finance data in STATA/MATLAB in support of various research projects and developed new codes to conduct panel/time series analysis on the processed data. • Helped to improve the efficiency and readability of codes libraries, fixed the inconsistency in the old codes. Took part in research on Swedish household finance. • Processed the Swedish household finance data in STATA/MATLAB in support of various research projects and developed new codes to conduct panel/time series analysis on the processed data. • Helped to improve the efficiency and readability of codes libraries, fixed the inconsistency in the old codes.



Citibank

• Banking
• 700 & Above Employee

• Intern

  • Nov 2010 - May 2011

  Corporate Transaction Center • In charge of transaction and verification of our client’s (including many famous international firms) orders • Checked client’s account status and examined supporting documents for transaction, assisted in risk evaluation before loaning to companies by using financial and accounting knowledge • Programmed in VBA to improve interns’ working efficiency and accuracy, was chosen to train new interns Corporate Transaction Center • In charge of transaction and verification of our client’s (including many famous international firms) orders • Checked client’s account status and examined supporting documents for transaction, assisted in risk evaluation before loaning to companies by using financial and accounting knowledge • Programmed in VBA to improve interns’ working efficiency and accuracy, was chosen to train new interns



Guangdong Development Bank

• China
• Banking

• Intern

  • Oct 2010 - Nov 2010

  Retailing Banking Services • Sold RMB financial products to clients; provided ratio analysis/stress test for loan decision • Made recommendation on asset allocation to private clients according to their risk tolerance and return expectation Retailing Banking Services • Sold RMB financial products to clients; provided ratio analysis/stress test for loan decision • Made recommendation on asset allocation to private clients according to their risk tolerance and return expectation



Post-Crisis Reform of Financial Supervision

• Research Assistant

  • May 2010 - Oct 2010

  • Led a five person group and undertook the task of analyzing post-crisis reform trends in western countries, which finally became a key chapter of the research report revised by Ministry of Finance. • Make presentations to our professors on the effectiveness and availability of regulation policies in western world. • Summarized and exchanged our ideas with researchers from Ministry of Finance to develop our research approaches (MatLab modeling and literature review skills included) and polish our report. Show less