My Journey
How I got here.
Macau, Singapore, Shenzhen. Two degrees, one job, and what each stop taught me.
My Journey
Macau, Singapore, Shenzhen. Two degrees, one job, and what each stop taught me.
01 · Macau · Aug 2018 – Jun 2022
BSc in Financial Engineering
Drag to turnStudied
I studied how companies finance their activities, how investors manage portfolios, and how financial markets work. Alongside finance, courses in economics, business strategy, and data analysis helped me connect financial questions with the wider business context.
Corporate financePortfoliosFinancial marketsEconomicsStrategyData analysis
Co-founded · 2020
I co-founded a student community that grew to 200+ members, helping students navigate further study and job applications by connecting them with experienced peers and alumni. We turned those experiences into interviews and practical guides, publishing 56 articles with approximately 95,000 total views.
Internship
As I was finishing university, I joined PwC and supported Lenovo’s financial audit. I tested and reviewed financial records, working with local and overseas teams to resolve questions about documentation and reporting.
May 2022 – Jul 2022
02 · Singapore · Aug 2022 – Sep 2023
MSc in Business Analytics
Drag to turnStudied
At NUS, I found that I enjoyed approaching business questions through data: breaking a problem down, looking for patterns, and testing ideas. Learning to code and studying machine learning and optimisation gave me more ways to investigate those questions.
Internship
During my master’s, I joined UOB to work on personalised merchant recommendations for credit card customers. I explored spending patterns in transaction data and developed models to help match customers with merchants relevant to them.
May 2023 – Aug 2023
The result
The project brought together two perspectives: helping customers discover merchants, and helping merchants identify potential customers.
Neural collaborative filtering clearly beat matrix factorization in offline top-K precision and recall, for merchants customers hadn’t visited yet.
Capstone report · NUS · 2023Personalized Merchant Recommender Engine utilizing Credit Card TransactionsView the report (PDF)
03 · Shenzhen · Dec 2023 – Present
Credit Risk Strategy Analyst
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I work on the decisions behind car financing: who qualifies, how much they pay upfront, and when collateral is required, balancing business growth, access to financing and the risk of customers being unable to repay.
I investigate performance with SQL and Python, turn findings into recommendations, and follow decisions through testing, rollout and monitoring.
Credit policyRegional portfolioExternal dataSQLPython
