Kai Zhang

About Kai Zhang

I am an Executive Director in Digital Product Management at Morgan Stanley, where I lead the development of the digital lending, data, and CRM platforms for Morgan Stanley Private Bank. In addition, I spearhead the Artificial Intelligence strategy across the Private Bank and have successfully launched multiple AI-enabled solutions that are transforming the business.Prior to Morgan Stanley, I was a Senior Product Manager at OnDeck Capital, where I leveraged machine learning and artificial intelligence to simplify access to capital for small business owners—helping fuel their growth and success.Earlier in my career, I served as a Product Manager at Capital One, leading big data transformation initiatives for the branded card business and driving financial product strategy and analytics for the partnership card business.A proud honor graduate of the University of Texas at Austin, I am deeply passionate about technology and entrepreneurship, committed to harnessing innovation to transform consumers’ lives and support the well-being of small businesses.Career Highlights:• Product Leadership at Scale:15+ years in product leadership & 7+ years senior/global scale; experienced in managing global teams of 200+ across Product, Design, Data, and Technology in North America, Europe, Asia • Fintech & Wealth Management Expertise: Deep experience in private banking, lending platforms, CRM, digital advisor tools, and institutional software; fluent in enterprise-scale workflows• Zero-to-One and Scale Execution: Launched the first US self-service Securities-Based Lending and Mortgage online application experiences targeting HNW clients; scaled industry leading digital lending and CRM platform • Strategic Product Vision: Defined multi-year roadmaps and product strategies across multiple product lines, aligning with growth, compliance, and operational efficiency• AI & Data-Driven Solutions: Spearheaded ML/AI initiatives to transform client and internal user experiences across CRM, lending and mortgage platforms• Cross-Functional Collaboration: Experienced in partnering with Engineering, Business, Sales & Marketing, Credit & Operations teams to launch scalable, integrated solutions • Talent Development: Built & mentored high-performing product teams, fostering career growth and innovation

Experience

1. Executive Director of Digital Product Management

   Morgan Stanley

   Nov 2017 — Present · New York, NY, US

   Head of Securities Based Lending and Tailored Lending Platform (2024- Now)- End-to-end platform supporting Clients, Financial Advisors, Private Bankers, Business, Credit & Operations users - Spearhead the Artificial Intelligence strategy across Morgan Stanley Private Bank and have successfully launched multiple AI-enabled solutions that are transforming the businessHead of Private Bank Sales & Marketing & Distribution Platform (2021-now)- Digital Sales Platform used by Private Bankers - Salesforce for all client facing job families Previous served as Co-Head of Mortgage Platform (20••••24)- Digital Mortgage capability on Morgan Stanley Online, Morgan Stanley Mobile, ETRADE.com & ETRADE Mobile- Mortgage Application Platform used by Mortgage Consultants - Mortgage Underwriting Platform used by Mortgage Underwriters and Credit Risk Management- Mortgage Pricing Platform used by Mortgage Pricing & Analytics Team

Education

• Harvard Extension School

  Leadership Communication

  2021 — 2021

• Texas McCombs School of Business

  Bachelor of Business Administration (BBA), Accounting, Business Honors

  2007 — 2010

• Texas McCombs School of Business

  Master of Professional Accounting, Accounting

  2010 — 2011

Skills

• Sql
• Credit Analysis
• Project Management
• Python
• Event Planning
• Portfolio Management
• Competitive Analysis
• Start-Ups
• Unix
• Problem Solving
• Apache Spark
• Teradata
• Business Analysis
• Data Analysis
• Direct Mail Campaigns
• Amazon Web Services (Aws)
• Financial Modeling
• Quantitative Analytics
• Big Data
• Analytics
• Process Management
• Financial Analysis
• Sas
• Due Diligence
• Strategy
• Campaign Management
• Marketing
• Email Marketing
• Consulting
• Event Management
• Hadoop
• Agile Project Management
• Product Management
• Management
• Microsoft Excel
• Quantitative Analysis
• R
• Product Development
• Analysis
• Github