Ling Jiang

Synchronized the risk management framework with organizational objectives to enhance strategic planning effectiveness.

• Developed MMOE-structured credit card score model, achieving 1% improvement in overall AUC and 4% boost in profit-generating customer segment. Established significant capacity for risk management strategies targeting profit-generating customers, to optimize profits without incurring additional risk.
• Created a TOPSIS model to refine credit limit adjustments, stimulating customer consumption, and activating dormant customers.
• Enhanced multi-objective optimization algorithm to segment customers based on three conflicting objectives: risk, profit, and scale. Reformed foundations of risk management strategies to improve overall efficacy across the organization.

Constructed models to analyze customer needs, establishing a basis for marketing campaigns organization-wide.

• Applied text-mining techniques to capture customer consumption preferences based on credit card transaction patterns. Delivered insights to enhance marketing campaign effectiveness across the organization.
• Established a customer purchasing power index to consistently assess purchasing power throughout the organization. Initiated data-driven strategies to launch new marketing campaigns in the absence of customer feedback.

• Engineered deep learning model framework from scratch, utilizing DNN to autonomously identify customer inquiries and pair inquiries with suitable responses with minimal human intervention.