Yunming Liu
Risk Policy Analyst
Shenzhen
Overview
7
7
years of professional experience
Work History
Credit Risk & Strategy Analyst, Thailand Market
KN Group
Hongkong
03.2025 - Current
- Scope & Ownership: Responsible for the end-to-end credit risk lifecycle for multiple loan products in the Thailand market, driving strategy across customer acquisition, portfolio management, and risk control.
- Strategy & Execution: Developed and continuously iterated on credit granting, limit, and pricing strategies for new and renewal loan portfolios (THA064, THA066, THA072). Executed over 50 policy deployments within five months.
- Product Growth & Risk Control: Managed the launch and ramp-up of new products (e.g., THA072), implementing dynamic policies to safely expand into lower-tier segments. Proactively identified and blocked high-risk applicants to mitigate tail-end portfolio risk.
- Analytics & Infrastructure: Oversaw the transition and application of core risk scorecards (e.g., V57 to V58). Conducted shadow testing on new data variables to inform future modeling and strategy development.
Risk Policy Manager
Lexin Holdings Ltd.
08.2023 - 02.2025
- Portfolio Management & Leadership: Led a team in managing risk policy for the entire on-loan portfolio, focusing on key partner channels, customer lifecycle management, and tail-end segment optimization.
- Key Partner Strategy: Spearheaded the optimization of underwriting and credit strategies for major partner channels (Huawei, DEWU), achieving a 20% reduction in FPD7.
- Customer Lifecycle Optimization: Designed and implemented a comprehensive customer management framework, including:
- A re-engagement strategy for cleared M7+ delinquent customers, generating ¥50 million in new monthly GMV.
- A credit line increase program for high-quality customers, boosting monthly GMV by ¥10 million.
- Portfolio Restructuring: Re-engineered the allocation logic for the on-loan portfolio, improving the recapture of tail-end customers and increasing monthly GMV by approximately ¥300 million while reducing FPD7 by 15%.
Credit Risk Policy Specialist
CITIC Bank Credit Card Center
07.2021 - 08.2023
- Underwriting Strategy: Formulated and refined underwriting policies for new applicants. Designed a multi-dimensional decision tree framework using customer attributes to set differentiated risk-based cut-offs.
- Advanced Analytics & Modeling: Enhanced the identification model for suspected co-borrowing applicants by leveraging diverse data sources, increasing the risk identification lift from 1.5x to 2x. Contributed to a Basel III score application project to improve model effectiveness.
- Risk Monitoring & Governance: Independently developed and managed risk MIS reports for online and telesales channels to enable proactive risk forecasting, early warnings, and timely policy interventions.
Credit Risk Policy Specialist
Guangzhou Shibang Human Resources Co., Ltd.
03.2019 - 06.2021
- Policy & System Management: Developed pre-loan risk policies and managed their deployment and testing within the BLAZE decision engine.
- External Partner & Data Integration: Successfully managed the integration of key funding partners (Huaxing Bank, XWBank) and new external data sources (Fahai, Baihang Credit), creating tailored risk strategies for each.
- Infrastructure Development: Built a comprehensive monitoring and reporting system for the credit approval and drawdown process from the ground up, enabling real-time risk fluctuation alerts.
Analyst
Nielsen
09.2018 - 03.2019
- Provided data consulting for key FMCG clients (Vinda, VITA), analyzing annual and quarterly data to deliver actionable insights.
Education
MSc - Economics & Finance
University of Bath
Bath11.2018
BSc - Economics (2+2 Program)
University of Liverpool
Liverpool07.2017
BSc - Economics (2+2 Program)
Xi’an Jiaotong-Liverpool University
Suzhou07.2015
Skills
- Certifications: Certified Financial Risk Manager (FRM)
- Languages: Mandarin (Native), English (Fluent, IELTS 65)
Timeline
Credit Risk & Strategy Analyst, Thailand Market
KN Group
03.2025 - Current
Risk Policy Manager
Lexin Holdings Ltd.
08.2023 - 02.2025
Credit Risk Policy Specialist
CITIC Bank Credit Card Center
07.2021 - 08.2023
Credit Risk Policy Specialist
Guangzhou Shibang Human Resources Co., Ltd.
03.2019 - 06.2021
Analyst
Nielsen
09.2018 - 03.2019
MSc - Economics & Finance
University of Bath
BSc - Economics (2+2 Program)
University of Liverpool
BSc - Economics (2+2 Program)
Xi’an Jiaotong-Liverpool University
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