Work experience

• Operational Analyst

  Viva.com

  2025.08-Current

  (a year)

  Risk Quantification: Analyzed financial and non-financial data for eCommerce merchants to quantify funding risks and identify operational risk patterns. Portfolio Management: Conducted ongoing surveillance of the loan portfolio using management tools, providing data-driven recommendations on exiting high-risk relationships. Cross-functional Collaboration: Partnered with Sales and Operations to build new risk-mitigation processes and products based on customer funding requirements. Data Strategy: Optimized complex CRM datasets to align risk outputs with RAF and FCA regulatory standards.
• Credit Risk Analyst

  Bank of Communications

  2019.11-2023.03

  (3 years)

  Structure Analysis: Performed deep-dive analysis of new/existing covered bonds, including portfolio data collection, cash flow modelling, and legal documentation review. Surveillance & Reporting: Managed ongoing monitoring of rated programmes and presented analysis/ recommendations in rating committees to senior management. Technical Logic: Engineered ETL validation rules, reducing reporting errors and audit findings by ~20% through rigorous logical testing. Stakeholder Engagement: Partnered with tech teams to ensure 100% data lineage transparency from source to regulatory reports.
• Risk Data Analyst (Graduate Program)

  xxxxx

  2018.07-2019.10

  (a year)

Educational experience

• University College London

  Finance & Management

  2023.11-2024.11

  (a year)
• Universidad de Murcia

  Business Analysis

  2021.10-2022.12

  (a year)
• Beijing City University

  Financial Engineering

  2014.09-2018.07

  (4 years)

Languages