Henry Langhua Hu
Summary
Leveraging data and analytics to drive problem solving, strengthen risk management, and deliver measurable business value.
A strong foundation in analytical thinking and a proven history of creating measurable value through data and analytics. Demonstrated leadership and project management excellence, with a consistent ability to collaborate and influence across cross-functional teams.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Manager Data Science, Credit Loss Forecasting for Credit Card and Personal Loans
Discover
11.2024 - Current
- Enhanced operational efficiency, quality assurance and control of credit risk loss forecasting framework and platform
- Conducted implementation and execution of credit loss forecasting models for credit card and personal loan
Manager Data Science, Fraud Analytics and Strategy Management for Credit Card & Deposit/Debit Card
Discover
12.2020 - 11.2024
- Developed and continuously innovated fraud strategies and rules to detect money movement fraud for both credit card and deposit including checking accounts and savings accounts to mitigate fraud loss, increase profitable sales and optimize customer experience
- Data: designed & created various derived & aggregated data attributes & installed in production; onboard new vendor data
- Infrastructure: collaborated with cross function teams to build real time check decision engine and ACH decision engine
- Rules: Build fraud detection rules by leverage segmentation, comprehensive analysis, and business insights and case studies, etc.
- Monitor: Developed and automated Tableau reports to monitor key performance indicators
- Increased payment return capture amount by ~$100 MM annually & improved payment fraud prediction accuracy from ~30% to ~40%.
- Innovatively onboard external vendor data, e.g. EWS(early warning services) & AOA (account ownership Authentication) data.
- Contributed to industry consortium, e.g. Source First party fraud consortium, and attended Mitek industry conference;
- Communicated effectively with cross functional business stakeholders, e.g. Technology, Operations, Legal/Compliance, Modeling, etc.
Manager Data Science, Fraud Analytics and Strategy Management for Credit Card
Discover
10.2017 - 12.2020
- Developed strategies and rules to mitigate credit card charge-off losses due to first party fraud - credit bust out while balancing increasing profitable sales and enhancing customer experience
- Refined rules availability for credit card payment fraud and collaborated with stakeholders in end-to-end process execution
- Continuously identified fraud trends and innovatively enhanced fraud rules based on comprehensive analysis and various triggers, e.g. dispute abuse, high credit balance, high risk bank account linkage, credit line increase abuse, authorizer buyers, high risk merchants, etc.
Manager, Financial Modeling and Forecasting, Finance
Discover
04.2016 - 10.2017
- Forecast sales, payment, debit active, receivables for CCAR
- Forecasted preliminary receivable for loss forecasting and incorporated charge off for final receivables
- Conduct variance decomposition analysis for receivable, yield at COB level for Merch, Balance Transfer, Cash
- Conduct preliminary research on cardmember payment and charge off behavior for CECL (current expected credit loss)
- Conduct sales model development, implementation and forecasting
- Gather data, perform data exploration, build up models, conduct statistical tests, etc.
Project Manager, Analytics/Pricing, Customer Service and Credit Management
Discover
01.2014 - 03.2016
- Designed, developed and led from scratch the comprehensive analysis and reports for the Free FICO initiative
- Utilized credit bureau data to conduct strategic analysis, customer behavior analysis, campaign analysis, etc.
- Lead and provided guidance and direction for analytical team of 1 junior and 3 offshore members
- Raised operational validation accuracy from 90% to 99.9%, achieving near-perfect precision in validation processes.
- Utilized forefront, advanced digital analytics, big data technology, and other platforms
- Led the analytical support for various business controls
Sr. Associate, Marketing Analytics
Discover Financial Services
06.2012 - 12.2013
- Evaluated and improved campaign strategies to optimize profitability in phone and statement channels
Statistical Project Analyst Intern
Auto-Owners Insurance Company
01.2011 - 04.2011
- Territory Clustering Using Competitor Pricing Data
Education
Ph.D. - Applied Mathematics
Michigan State University
East Lansing, MI, USA05.2012
M.S. - Applied Mathematics
Tsinghua University
Beijing, China07.2007
B.S. - Applied Mathematics
Beijing Normal University
Beijing, China06.2005
Skills
- Software: SQL, SAS, Teradata, Snowflake, Python, UNIX, Tableau
- Data and Trend analysis
- Problem-solving
- Risk management
- Cross-functional teamwork
- Decision-making
Accomplishments
Increased payment return capture amount by ~$100 MM annually & improved payment fraud prediction accuracy from ~30% to ~40%.
Certification
Passed level 1 of the CFA examination Jun 2017
Timeline
Manager Data Science, Credit Loss Forecasting for Credit Card and Personal Loans
Discover
11.2024 - Current
Manager Data Science, Fraud Analytics and Strategy Management for Credit Card & Deposit/Debit Card
Discover
12.2020 - 11.2024
Manager Data Science, Fraud Analytics and Strategy Management for Credit Card
Discover
10.2017 - 12.2020
Manager, Financial Modeling and Forecasting, Finance
Discover
04.2016 - 10.2017
Project Manager, Analytics/Pricing, Customer Service and Credit Management
Discover
01.2014 - 03.2016
Sr. Associate, Marketing Analytics
Discover Financial Services
06.2012 - 12.2013
Statistical Project Analyst Intern
Auto-Owners Insurance Company
01.2011 - 04.2011
M.S. - Applied Mathematics
Tsinghua University
B.S. - Applied Mathematics
Beijing Normal University
Ph.D. - Applied Mathematics
Michigan State University
Honors and Awards
Excellence Award - Decisions & Analytics at Discover Nov. 2021, Excellence Award - Credit Operations & Decision Management at Discover Feb. 2019, President’s Plate Award at Discover Financial Services Apr. 2015