Jan 2013 – Dec 2014 · 1 yr 11 mos

Jan 2011 – Dec 2012 · 1 yr 11 mos

• Working as a senior analyst, had responsibilities to lead & work end to end with Cards Balance Growth team as an owner of credit line increase program representing the decision management group which involved cards P&L forecasting. The role required interactions with marketing and risk team on a frequent basis to come up with a fully fledged campaign rollout process.
• Key Projects
• Seasonality assessment and it’s incorporation: Objective was to understand/assess possible consequences of presence of seasonality in cards business and hence improving upon the forecasting of the cards P&L.
• Sales Usage analysis: Objective was to improve return on line extension looking at the increase in incremental sales and revenue (Test over control) for every $1 increase in credit line.
• Credit line decrease: Objective was to identify potential opportunities to create Swap in/Swap out through improved targeting and controlling for losses using credit line decrease.

Jun 2008 – Dec 2010 · 2 yrs 6 mos

• Working as an analyst, had opportunity to contribute as key team member in the cross sell and e-business teams which involved building strategies for cross sell products across different channels (direct mail, inbound and outbound telemarketing, internet and statement) and customer lifecycle (acquisition and retention).
• Key Projects
• Trigger based targeting: Project required to build an enhanced targeting strategy to complement existing models based on the recent card activities like spend patterns/behavior.
• Contact management: Project aimed to study historical contact information for targeting different cross products to enhance targeting and reduce redundant contacts using contact sequencing.
• Identity monitor targeting rule for inbound telemarketing channel: Understanding of the product and business judgment was used to build a decision tree which was successfully implemented.
• Credit protector retention strategy: Project aimed to design a rule to offer the right kind of retention offers to the customer by analyzing the past campaigns and looking at the profitability post save.
• Cost service optimization: Project required focusing on the customers who log into account online followed by a call in the inbound telemarketing channel. The idea was to improve the online service which would in turn improve the customer experience and save the call handling cost.

May 2007 – Jul 2007 · 2 mos

• Did my summer internship in the business administration department of NTUST, Taipei on the topic called 'Word of Mouth elasticity'.The objective was to understand how the reviews of a product affects the sales of its substitute or it's complement product.