Senior Financial Analyst/$75K/Edward

Current salary $75K. Holds EAD authorizing him to work for any US company without sponsorship.  Will relocate.

Experience:

Financial Services, VA
Senior Financial Analyst, Customer Operation Finance, 03/2008 - Present
- Responsible for $266MM cost center's budget planning, cost allocation and monthly financial reporting
- Developed strategy to drive key incremental savings of $2MM+ for Customer Operation Business through hypothesis driven analysis
- Performed integrated cost and benefit analysis to save Customer Operation business partner $700K
- Performed operational volume forecasting, trend analysis and conducted period financial assessment
- Performed UDAP and Reg Z regulation change on customer operation financial impact scope analysis
Senior Analyst, Credit Risk Management, 2006 - 2008
- Did 25 day grace period credit policy change impact analysis on portfolio credit performance
- Built account level credit loss forecasting model for Superprime and Prime Card Line of Business
- Optimized and automated MBR (Monthly Business Review with Chief Credit Officer) process using combination of innovated process framework and SAS Macros to increase efficiency by 95%
- Supported portfolio credit loss and fee forecasting process development and assessment
- Revamped portfolio performance monitoring report on key loss/risk metrics for senior leadership team
- Key performer on 40MM card and loan portfolio risk management, asset quality, vintage monitoring process
- Did mortgage delinquency vs credit card delinquency hierarchy relationship analysis
- Performed analysis to turn data into strategic NACO mitigation decision support information
Analyst, Product Innovation Center, 2005 - 2006
- Developed market's first customer controlled CLIP(Credit limit increase program) product for US Card Subprime business to create fair and positive customer experience and won the Circle of Excellence (top Capital One Award)
- Developed triggered based decision engine for CLIP program of Subprime business
- Developed predictive monitoring tool for account CLIP risk mitigation
- Performed account booking trend analysis to mitigate the customer experience risk

Shanghai Weilai New Material Sci & Tech Co. Ltd., Shanghai 1999-2001
Product Research Analyst
- Designed a systematic strategy Approach to prepare homogeneous composite Nano-particles
- Led the pilot scale production testing research
- Provided on site technical support for full scale production project

Technical Skills:

SAS, SQL, Office, Teradata, Mainframe, UNIX, TSYS system, Triple Credit Bureau Data

Education:

PhD Candidate in Engineering, University of Louisville, KY (2001-2005)
Master of Science in Engineering, East China University of Science and Technology, China (1999)
Bachelor of Science in Engineering, East China University of Science and Technology, China (1997)

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