LIANG (LUCREZIA) MA

Achievements - Acquired expertise in aesthetic medicine and healthcare loan operations, mastered Tableau techniques, implemented automated financial reporting to halve the delivery time and improved stakeholder engagement and negotiation skills. Conducted commercial projects with strategy, planning, and management, including increased ROI for membership packages, developed key performance appraisals for a special collection team, and integrated data for Sales KPIs platforms.

Data Management - Managed multimillion-scale databases, optimizing T-SQL scripts for enhanced system performance, while developing streamlined data pipelines aligned with business reporting needs, resulting in halved data delivery times through systematic reporting and extraction processes.

Data Visualization & Reporting - Transformed the financial reporting system, consolidating and automating over 60 reports into 20 dynamic Tableau dashboards. Maintained and updated finance and risk reports, including revenue, portfolios and cash flow model, delivering crucial insights to diverse stakeholders to drive business performance.

Data Analysis - Evaluated financial and operational performance of companies facing financial difficulties to determine possible remedies. Assisted senior management maintain profitability by analyzing portfolios and implementing strategies and techniques. Conducted ad-hoc analyses to address dynamic business requirements, supporting decision-making processes.

Stakeholder Engagement & Communication - Delivered data to cross-functional teams, including Collection, Funding, Risk, and Product, fulfilling their diverse data requirements and enabling data analysis across the organization.

Achievements - Mastered advanced SQL and engaged in data migration and integration from Oracle to Hadoop, ensuring data consistency and accuracy through UAT testing. Swiftly acquired critical domain knowledge in personal consumer loans and effectively communicated risk insights and portfolio models to cross-functional teams and stakeholders. Developed provisioning and cold boots prediction models for Aided Loan contingent liability.

Data Management - Optimized data extraction from multimillion-scale databases, maintaining portfolio risk data marts to deliver tailored portfolio reports for internal and external stakeholders.

Portfolio Reporting - Scheduled and managed automation data updating tasks and delivered risk reports, including risk cost, provisioning, WD movement, Markov Balance, and Asset-Backed Securities (ABS) balance reports, ensuring reconciliation with the finance department for HQ reporting.

Portfolio Risk Management - Managed and maintained portfolio risk models optimizing model performance and accuracy across diverse business scenarios. Conducted in-depth ad-hoc analyses, providing strategic insights for decision-making, including P&L impact assessment, benchmark utilization for provision calculations, vintage analyses, and post-loan scorecard evaluations.

Stakeholder Engagement - Collaborated with local and group cross-functional departments (Finance, Risk, Collection, Underwriting, and BI), assuming leadership in reconciling data support for group audits and due diligence, ensuring a unified and reliable data foundation.

Achievements - Executed commercial consulting projects incorporating statistical modelling and scientific reports. Notable projects include investigating the effects of consuming milk powder on gut comfort using GLM, conducting skin sensory tests for formula selections utilizing T-tests and ANOVA, and developing scorecard modelling for the segmentation industry employing Decision trees, etc.

Project Management & Communication - Assisted crafting proposals and gathered requirements from stakeholders to design data models and reports, ensuring seamless team collaboration for timely project completion.

Data Wrangling - Implemented stringent data quality checks and utilized R, Python, and Excel for effective data cleaning and transformation.

Statistics Modelling & Analysis - Applied machine learning algorithms with SPSS/R to extract actionable insights from complex datasets. Validated model performance with supervisors and product managers, ensuring the accuracy and reliability of analytical results.

Data Analysis Presentation and Reporting - Prepared and delivered scientific reports and presentations to business clients, showcasing data analysis findings.