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HIGHLIGHTS OF QUALIFICATIONS18 years consumer banking experience from credit card payment industryWith solid SAS/SQL programming in UNIX/PC platformExcellent quantitative/analytical skill and detail orientedMaster degree in StatisticsPROFESSIONAL EXPERIENCEWells Fargo Bank Jan2018 to presentSenior Credit Risk AssociateResponsible for monthly dealer monitoring process to review dealers (over 15,000 on book) performance and make recommendation on adjustment of underwriting strategy/termination based on their performance.Change management for dealers set up due to tightening/loosening/acquisition/change of owner/change of dealership/change of tier pricing etc.Responsible for Major client review to monitor program performance on credit quality, approval rate, average initial purchase, delinquency/Charged off for Nationwide Marketing Group/ Audiology/ Watch of Switzerland. Make recommendation based on loss forecast change to senior management and business partner.Adjust acquisition strategy based on merchant performance, evaluate limit increase request from merchant, conduct loss estimation rate forecast at merchant industry level and track delinquency/Charged off trend and provide recommendation to business to mitigate any potential risk.Evaluate Equifax data impact on retail card business by identify all impacted account. Simulate all the impacted account based on the correct fico score to determine overall impact on approval and limit.Support compliance review request case study and all follow-up question monitoring any breach of underwriter's lending authority and other exceptions.Recommend and successfully remove specific referral rule to reduce operation complexity and risk based on data analysis of the strategy tracking result.Build up credit card portfolio account management functionality to bring in new Cobrand partner Hotels.com onboard. Working with all stakeholder such as risk, marketing, finance, business partner, project manager to establish a new monthly process to satisfy all the data need from risk reporting and analytic purpose.Researching the cobrand card requirement and existing functionality to come up with the best solution.Implement and integrate the ability to pay model used by credit card CLI program for Hotels.com customer.Monthly production of ability to pay model, CECL base model, behavior segment model, PLL bureau validation, Harland Clarke income capture process. Testing and validate for new cobrand card functionality and integrate with existing production process. Monthly monitoring model PSI for any shift of score population.Discover double late fee reversal for card operation business and save bank up to $4 million each year.Collecting user requirement, research in product feature to migrate existing intake tool to Jira and participate in Github project to upgrade version control for all coding environment. Migrate current SAS data reporting to tableau. Summarize project meeting and present update to manager and team member as well as collect feedback and input back to the business owner.Senior Analytical Financial ConsultantWorking on financial evaluation of credit card account management program.Beginning with tracking historical Test/Control performance of past campaigns,Working closely with risk partner to incorporate and validate loss assumption by each segment. Making financial assumption of balance, spend, attritions, payment etc and fit all the parameters into financial model to predict campaign level P&L metrics (such as NPV, NIAT, ROA/ ROE for CLI/CLD ).Based on the financial result make recommendation decision for senior management and get approval for program rollout.Barclaycard US July 2008 to Jan 2018Risk Analyst Lead May 2014 to Jan 2018Lead and oversee offshore India team of 6 in monthly BAU risk production reporting process.Manage monthly all risk reporting such as Acquisition/Portfolio dashboard/Regulatory compliance.Monitor portfolio key metrics and provide timely alert to senior management also conducting adhoc analysis to find root cause of any unexpected movement.Responsible for RMRT Risk round table, Argus data, VISA IRKI reporting submission and update team with bench mark for all competitors industry level information.Business liaison with Moody Analystics to provide risk team as well as partner with Macro economic outlooks.Initiated risk event for Hurricane IRMA/Harvey to waive customer interest payment and late fees and track of the impact area and create daily business update on delinquency, number of accounts and card balance to CRO.Lead Decision Science Analyst Aug 2012 to May 2014Implement scoring process, conduct model monitoring processes, data quality analyses, supporting international portfolio under UNIX process scheduling framework to implement all model scoring and model monitoring projects.Senior Decision Management Analyst July 2008 to July 2012Develop optimization engine and enhance decision framework for balance transfer program.Create optimization and accounts selection and conduct monthly check production review meeting with finance, risk, marketing and partnership stakeholders. Provide monthly BT campaign forecast and monitor monthly check campaign performance and provide Adhoc analysis.Chase Card Services June 2007 to June 2008Marketing Sr. AnalystUtilize financial and analytical tools to identify customer segment revenue growth opportunities. Monitor segment P&Ls and track significant changes over time. Develop marketing program recommendations to profitably address changes.Provide business analysis and Adhoc reports in term of account activation, sales estimate, credit card spending, utility spending, broker spending report, customer retention matrix. Comparing partner portfolio performance against Chase portfolioHSBC Card Services December 2005 to Feb 2007SAS Data AnalystProvide data analysis support for acquisition direct marketing campaign in both sub prime and near prime segment. Prepare monthly business update and interpret campaign result to senior management for strategies and decision making.Conduct profiling, channel, purchase, performance analysis for booked accounts or prospects. Design and implement weekly campaign response report and track response rate, approving rate for all mailing campaigns. Create post Mortem presentation for selecting campaign creative winners.AXA Pacific Insurance April 2003---December 2005Portfolio AnalystCreate and develop monthly financial data report to track insurance premium and claims. Monitor performance of various marketing programs, affiliated brokers and underwriting teams. Provide data and analysis support to finance/marketing team for deal negotiation and acquisition. Prepare entire reinsurance portfolio for annual audit and calculate contingent profit for over 600 brokers.CERTIFICATIONSSAS Certified Advanced Programmer December 2006