Miaomiao Xu
Risk Modeler @Credit One Bank
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WORK HISTORY
Risk Modeler @Credit One Bank
Successfully collaborated with the multifunctional teams at Credit One Bank to develop and implement an XGBoost response model, resulting in a 20% lift in response rates and a decrease in delinquency, which counts for 80% of the bank\'s business• Independently developed and presented a response model that included data collection, merging data, data cleaning, model tuning, variable selection, variable transformation, and model testing, resulting in increasing over 15 KS scores and better rank-ordering• Demonstrated creativity and innovation by developing a line assignment tree model and creating a new target variable to improve the model accuracy, targeting the business pain point• Led data collection efforts as the leading data scientist, ensuring high-quality data was gathered and organized for modeling purposes, critical to the success of the response model development
EDUCATION
Columbia University
Master of Arts - MA, Statistics
Furman University
Bachelor's degree, Math-Economics; Japanese studies
ABOUT MIAOMIAO XU
Data scientist with expertise in risk modeling, machine learning, and data-driven decision-making. Proven ability to develop and deploy predictive models that optimize credit strategies, enhance customer targeting, and mitigate risk. Strong background in statistical analysis, A/B testing, and feature engineering using Python, SQL, and SAS. Experienced in data visualization with Tableau and Power BI, delivering actionable insights that drive business growth. Adept at collaborating with cross-functional teams and presenting findings to stakeholders. Passionate about leveraging data to solve complex business challenges.
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