Po Hu

About Po Hu

Data scientist, experienced risk model professional for modern financial market across business lines & productsStrong quantitative finance skills coupled with hands-on IT expertise

Experience

1. Senior Data Scientist, Senior Manager

   American Express

   Mar 2022 — Present · NY, US

   New Account Acquisition Strategy•Drove the end-to-end launch of the Individual CMV (Card Member Lifetime Value / LTV) framework—a real-time, machine learning–powered decisioning system for personalized acquisition. Built the proof of concept, developed the business case, and secured cross-functional alignment with Risk, Finance, Product, Engineering, Marketing, and Compliance. Delivered the system into production, projected to generate $120M+ in profit over 3 years•Led the development of the offline LTV simulation framework, evaluating model accuracy, acquisition decisions, customer quality, and financial impact. Quantified business value across key revenue and cost drivers, resulting in executive sponsorship and technology funding approval•Optimized investment efficiency using LTV to prioritize high-value marginal acquisitions, driving a 4–8× improvement in ROI across products and acquisition channels•Owned the business-side design of the end-to-end decisioning workflow and partnered with Engineering on implementation. Reviewed and approved production decision flows, ensuring real-time performance with no added latency or SLA impact•Served as the sole Risk lead and project POC from inception to launch, partnering with Technology, Finance, Marketing, and Compliance. The initiative gained CEO-level visibility and became a strategic enterprise priority•Led cross-functional delivery to launch Balance Transfer at scale across multiple lending products, aligning strategy, technology, and go-to-market execution. Projected to drive a 5%+ lift in annual new account acquisitions (41K+ per year),$188M+ in profit over 5 years, and a 10%+ improvement in product ROI

Education

• The Chinese University of Hong Kong

  Summer Session, Business

  2011 — 2011

• Columbia University

  Master's degree, Statistics

  2014 — 2015

• University of Science and Technology Beijing

  Bachelor's degree, Industrial Engineering

  2010 — 2014

Skills

• Sql
• Spss
• Research
• Microsoft Sql Server
• Java
• C#
• Microsoft Office
• C++
• Html
• Data Mining
• Statistical Analysis
• Matlab
• Sas
• Autocad
• Powerpoint
• Microsoft Excel
• Statistics
• Python
• Risk Management
• R
• Pro/Engineer
• Microsoft Word
• Data Analysis