Simon Chen

About Simon Chen

Experienced credit risk management and direct marketing leader with proven success in…

Experience

1. Senior Risk Director

   Xyd Micro-Lending Co. Ltd

   Apr 2016 — Present

   Engineered and led credit risk, anti-fraud, marketing analytics, modeling and BI teams. Responsible for the performance of all subprime lending products (installment loans, payday loans, revolving loans, both online and offline). • Developed best-in-class credit and pricing strategies for managing credit risks to enable real-time lending decisions for hundreds of thousands of borrowers every month. • Consistently provided performance trend insights to the management team to enable swift business decisions. • Increased approval rate by 30%, doubled average loan amount, decreased credit loss rate by 60%. • Led database marketing, direct marketing and CRM related analytics, inclding response modeling, marketing campaign setup, A/B testing, marketing campaign post-mortem, etc. Significantly increase response rate and decreased acquisition cost. • Evaluated and leveraged multiple complex data sources in risk management, database marketing and fraud prevention. • Recruited, managed, trained and mentored a team of business analysts, data engineers, predictive modelers.

Education

• Rutgers University-New Brunswick

  Master of Science (MS)

• Rutgers University

  Doctor of Philosophy - PhD

• Fudan University

  Bachelor's Degree

Skills

• Crm
• Statistics
• Sas
• Predictive Modeling
• Project Management
• Marketing Strategy
• Data Mining
• Analytics
• Predictive Analytics
• Credit Risk
• Team Building
• Statistical Modeling
• Sql
• Customer Experience
• Banking
• Team Management
• Segmentation
• Finance
• Direct Marketing
• Strategy