• Managed analysts and interns, and coordinated an overseas analysis team, to optimize delinquent customers’ journeys with balancing risk loss, operation cost, and the customer experience in a rapidly changing business

• Partnered with marketing teams, led strategic test and learning to personalize delinquency email campaigns; Conducted A/B test on over 5 million emails per month; Achieved over $100 MM charge off saving per year

• Coordinated omni-channel initiatives prioritization and implementation with agile approach; Collaborated with digital team and workforce management team for new contact channel, including push notice, text, paid search

• Led cross-functional teams to install the offer optimization strategy, achieved $15MM cost saving per year

• Applied cluster analysis, decision tree, and random forest to categorize customers based on behaviors and risk levels, implemented segmentation strategy on decision engine and reduced operation cost $5MM in 3 years

• Collaborated with modeling team to capture business needs, proposed roadmap and use cases for modeling, participated in feature engineering and algorithm selection; Won “Big Data Challenge Strategy Award” in 2019

• Applied link analyses to defend against synthetic ID fraud attacks, established a fraud prevention process with the operation teams, as an industry breakthrough to prevent more than $22 MM fraud loss in 2018

• Created spending patterns at both merchant category code and merchant id level; Installed metrics in decision engine by collaborating with various the engineering team; Reduced $2 MM credit loss in the authorization

• Introduced Gradient Boosting machine learning models to create a more accurate risk strategy on overlimit and delinquent real-time transactions; optimized strategy semiannually, achieved 92% capture rate of top 10% bad

• Identified high-risk merchants’ forced settlement issue and established chargeback strategy to stop $5 MM loss

• Automated daily authorization reports; monitored the health of business with leading factors for senior leaders

• Led strategy development and implementation from end to end; Improved user acceptance test process with engineering team; Created an expansion strategy and brought in 200K new accounts (10% of 2016 growth goal)

• Identified issue on Discover’s employee card, proposed strategic solutions and stopped $2 MM loss in 3 years

• Created tableau/excel reports for key metrics of card acquisition, included executive dashboard, daily book, etc.

• Performed excellent support for analytic needs from business partners including marketing team, digital team, and downstream strategy teams; Nominated for “President Award” since the 1st year in Discover

• Created North American Corn Profitability Model with Monte Carlo Simulation, which resulted in a successful firmware model to improve the profitability dramatically; promoted to apply the model in Latin American branch.

• Performed as analysis support for Global Economic Seeds (data mining, query and modeling with various tools).

• Presented analysis in user-friendly models such as graphs, charts and reports for the senior leadership teams and business partners.