Crystal Hu

AI Researcher

California, United States4 yrs 6 mos experience
AI EnabledAI ML Practitioner

Key Highlights

  • Expert in credit risk modeling and data analytics.
  • Hands-on experience with GCP and AWS.
  • Trilingual with strong cultural insights in Japanese business.
Stackforce AI infers this person is a Fintech and AI specialist with strong data science capabilities.

Contact

Skills

Core Skills

Retrieval-augmented Generation (rag)Research And Development (r&d)Credit Risk ResearchData ModelingData ScienceData AnalyticsSoftware Development

Other Skills

Full-Stack DevelopmentJapanese Business CultureStrategic PlanningResearch SkillsPython (Programming Language)Big Data AnalyticsREST APIsData WarehousingData VisualizationMavenMachine LearningArtificial Intelligence (AI)Cloud ComputingGoogle AnalyticsAgile Methodologies

About

Grew up in Australia & Aussie citizen šŸ‡¦šŸ‡ŗ with Japan’s PR & 2 years experience in japan šŸ‡ÆšŸ‡µ as a NLP research scientist . Now moved to Bay Area searching for a job in RAG research field or DS in Fintech .Previously employed as senior data analyst in Commonwealth Bank of Australia (CBA). I specialized in REST web development and Data science with 6 years experience in commercial data decision science related field. Passionate about data and insights generated by data analysis, zeal for elegant mathematics and data science :)) , with hands on experience in GCP and AWS industry knowledge. Passionate for utilizing AI related models or tools to automation in a large scale. Focus area: Credit Risk Modelling, PD Model, scoreboard card development, Fraud detection, RAG I am very passionate about life and very optimistic and positive person. I deeply believe that the determinant key to success is gritty and perseverance. Finally I am that kind of person that would always briefly push myself out of comfort zone as I firmly believe 'The really life STARTS at END of your comfort zone' !

Experience

Money forward, inc.

2 roles

NLP reseach Engineer

Jun 2025 – Mar 2026 Ā· 9 mos Ā· Tokyo, Japan Ā· Hybrid

  • money forward research lab
  • Use langchain to develop tools based on RAG to eliminate the effect of hallucinations of RAG, for the sake of supporting customer support to find accurate answer and original source when getting answer from LLM.
  • Design frameworks to evaluate the performance of this RAG application and fine tunning.
Retrieval-Augmented Generation (RAG)Research and Development (R&D)Full-Stack DevelopmentJapanese Business CultureStrategic Planning

AI Research Scientist

Jun 2024 – Jul 2025 Ā· 1 yr 1 mo Ā· Tokyo, Japan Ā· Hybrid

  • Understanding SMB (small and median business) funds need in Japan, based on analysing which, design appropriate factoring product (lending service in japan),as well as design and apply default model to predict company's possibility of default.
Credit risk researchResearch SkillsResearch and Development (R&D)Python (Programming Language)Data Modeling

Commonwealth bank

2 roles

Senior Credit Analyst

Promoted

Jan 2022 – Apr 2024 Ā· 2 yrs 3 mos

  • Developed and deployed credit risk assessment models, utilizing statistical techniques, machine learning algorithms, and advanced analytics.
  • Worked with online payments stakeholders across product, engineering, and solutions engineering to drive payment success rate optimization strategies.
  • Mined and analyzed card transaction data to identify optimization opportunities and build optimization hypotheses.
  • Designed and executed experiments to validate and assess optimization hypotheses.
  • Developed multi‑armed‑bandit frameworks to dynamically adjust optimization strategies on a transactional level.
  • Developed processes and tools to monitor and analyze payment success rate and data accuracy.
  • Collaborated with cross‑functional teams to deploy advanced analytics solutions across the bank, such as recommendation engines, propensity
  • models, and customer segmentation.
  • Utilized GCP and AWS platforms for data processing and analysis, enabling data‑driven decision‑making and automation.
  • Built and deployed pipelines in Azure/AWS for data cleaning, transformation, and model training.
  • Achieved a 15.5% increase in model precision by modifying the loan prediction model from random forest to AdaBoost.
  • Gathered reporting requirements, developed documentation, and created reports using Tableau and Power BI.
  • Supported ad hoc requests and regulatory requirements.
  • Utilized SQL, data warehousing solutions, and database modeling for analyzing large‑scale home loan datasets.
  • Assisted with A/B testing to improve product effectiveness and identify target segments for product launches.
  • Incorporated PD modeling techniques for credit risk assessment and contributed to fraud detection initiatives
Big Data AnalyticsREST APIsData ModelingData ScienceData WarehousingData Analytics+2

Senior Data Analyst

Jan 2022 – Oct 2023 Ā· 1 yr 9 mos

  • Ā· Delivering value added strategic and tactical data analytics solution
  • Ā· Data pre-processing before fitting into model, including dealing with unbalanced datasets, filling missing value, one-hot vector for string or dates column
  • Ā· Work with large datasets, distributed Big Data Platforms, CI/CD tools for continuously deploying variety of advanced analytics solutions across the bank ranging from recommendation engines, propensity models, customer segmentation, Graph models, Credit underwriting model, pricing and more
  • Ā· Drive the Big data infrastructure/ Data engineering team to set up the production environment
  • Ā· Exploration and interrogation of new sources of data that add value to the outcomes of the team
  • Ā· Conduct interviews/workshops with business stakeholders to gather reporting requirements
  • Ā· Analyze reporting requirements and develop functional and technical documentation to support design and development
  • Ā· Designing and development of reporting for the business, including insights to assist in decision making
  • Ā· Provide support for ad hoc requests, including required regulatory requirements
  • Ā· Participate in all phases of the development cycle – requirements gathering and analysis, design, implementation, testing, deployment and maintenance of Data Assets
  • Ā· Working knowledge on either SAS or Teradata or SQL Server, and Excel or equivalent statistical tools
  • Ā· Experience in using visualisation tools (e.g. Tableau) visualizing home buying data.
  • Ā· Gather data from various platforms and sources and maintain a clean data structure in MS Azure
  • Ā· Assist with a/b testing for product sense , improving ab test procedure to two tail experiment and deploy A/B test experiments to test the model effectiveness and Analyze to identify the target segments decision with launching products
Big Data AnalyticsData ModelingMavenData Analytics

Hub24 limited

2 roles

Data Analyst

Jul 2021 – Jan 2022 Ā· 6 mos Ā· Sydney, New South Wales, Australia

  • Supporting ad-hoc data requests through SQL queries, including required regulatory requirements and data insights like pricing analysis for competitor offers to make appropriate adjustments for current sales stragtegy.
  • Data migration from previous company to new company's data warehouse due to aquisition.
  • Generate actionable business insights from data modelling.
  • High level trade/position flow and FUA calculation and asset price sourcing / validation.
  • Designing and development of reporting for the business using SSRS service, including insights to assist in decision making.
  • Translate business requirements into data insights.
  • Data visualisation using yellowfin, tabuleau, data studio etc.
  • Industrual knowledgeand hands on experience with GCP and AWS
  • Structured/disciplined approach to testing and outcome documentation
  • Strong Data Management knowledge, including but not limited to:
  • Security reference data and security set up
  • Security pricing
  • Positions reconciliations between administrators and CRIMS
  • Benchmarks and benchmark reconciliations ( e.g. market values)
Big Data AnalyticsREST APIsData ModelingMavenData Analytics

Software Engineer

Mar 2021 – Oct 2021 Ā· 7 mos Ā· Sydney, New South Wales, Australia

  • develop architectural designs, implement and test diverse new functionality in our micro-front end web application that assists our business with fee processing.
  • have strong experience with modern web development in an advanced framework such as React, html, css skills
  • work directly with business analysts to understand their requirements and design solutions
  • participate in the team’s agile rituals to give updates, remove blockers, and plan upcoming work as well as work collaborative with the team to design solutions to features
REST APIsData ModelingMavenSoftware Development

Xplore wealth

Software Engineer

Sep 2020 – Jun 2021 Ā· 9 mos Ā· Wynyard sydney

  • Frontend developer
  • develop architectural designs, implement and test diverse new functionality in our micro-front end web application that assists our business with fee processing.
  • have strong experience with modern web development in an advanced framework such as React, html, css skills
  • work directly with business analysts to understand their requirements and design solutions
  • participate in the team’s agile rituals to give updates, remove blockers, and plan upcoming work as well as work collaborative with the team to design solutions to features
REST APIsData ModelingMavenSoftware Development

é¢†čˆŖę•™č‚² navigator union

IT PTEč€åøˆ

Jul 2019 – Sep 2020 Ā· 1 yr 2 mos Ā· Sydney, New South Wales, Australia

  • Designing and delivering teaching contents for PTE exam
  • HR, recruiting for new teachers
  • Management work in terms of all relevant teachers and staff • Marketing
  • Group class or 1v1 teaching units of study in USYD.
Big Data AnalyticsMaven

Systemik solutions

Web Content Developer

Jul 2019 – Sep 2020 Ā· 1 yr 2 mos Ā· Sydney, New South Wales, Australia

  • web content migration project
  • software data onboarding
  • data visualizing and modelling using tools like d3.js three.js
Maven

Lifebyte systems

Cloud Support Engineer

Apr 2019 – Jun 2019 Ā· 2 mos Ā· sydney

  • helped to design database structure
  • customer product service support using JIRA
  • Alibaba cloud service training and maintenance
REST APIsMaven

Education

University of Sydney

Master of Information Technology — Computer science

Jan 2017 – Jan 2019

Griffith University

Bachelor's degree with Honours — Civil Engineering

Jan 2015 – Jan 2017

China University of Mining and Technology

bachlor's degree with Honours — Civil Engineering

Jan 2013 – Jan 2017

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