Wendy Xiao
Lead Eu Retail Finance & Financing Manager @NIO
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WORK HISTORY
Lead Eu Retail Finance & Financing Manager @NIO
North Rhine-Westphalia, DE
Led NIO’s EU market entry strategy & business planning, building the retail finance platform from inception to scale; drove end-to-end product structuring, commercial negotiations, and successful launches across EU5- Secured and closed retail bank partnerships across EU5,succesfully signed RFCA and GDPR-compliant DPA/DSA contracts by bridging commercial gaps between internal tax/legal teams and partner banks. Delivered optimal financial product pricing for NIO, optimized fund structures,and ensured full alignment with local regulations- Directed cross-functional collaboration with NIO’s China technical team to launch the retail finance website within 6 months; deployed offline sales calculators and a fully digital auto finance ecosystem. Delivered 2 API integrations with partner banks (Germany and Sweden), enhancing product strategy and customer experience. Designed and executed data-driven finance campaigns with digital triggers, driving 42% digital adoption and 65% YoY financial order growth in Q4 2024- Led financing strategy and structured partnerships with 16+ Chinese and international banks, developing bespoke financing solutions aligned with NIO’s business model and credit profile. Produced comprehensive KYC, LDD & CDD financing materials with 200+ page feasibility study, ESG-aligned financing proposals, and DSCR modelling decks to translate complex business models (BaaS and Subscription) into bankable project finance cases. Secured €48M in ECA-backed financing (first in the EV domain) in 2024 through targeted financial institutional counterparty- Cultivated strategic relationships with investors, banks, and financial institutions; partnered with internal teams to prepare for due diligence, manage expectations, and strengthen NIO’s auto finance and financing market positioning.
EDUCATION
Cambridge Tutors College (CTC)
A-level
Minhang High School
Dean List, Top 5 Student out of 3000 students of the grade
UCL
BSc
Massachusetts Institute of Technology
MIT Innovation Leadership Bootcamp
SKILLS
ABOUT WENDY XIAO
10 years of experience in the financial sectors, with passion for creating value and…
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