Menglu(Kalinda) Zhang

Columbia University Risk Management graduate with comprehensive experiences in risk analysis and financial forecasting. Skilled in rapidly acquiring new knowledge and applying it effectively. Driven by a passion for continuous learning and successfully navigating change.

Seeking to leverage analytical skills to drive risk management initiatives in a forward-thinking organization.

Wholesale PD Model Development

• Developed a Probability of Default (PD) model using financial data from the FRB and FDIC, creating key financial ratios and integrating default data using Python (Pandas, Statsmodels, Scikit-learn).
• Conducted single and multi-factor analysis using logistic regression, achieving an AUC score of 0.85, and identified top predictive models for loan default risk.
• Evaluated model predictions on cases like Silicon Valley Bank and Signature Bank, proposing actionable improvements that enhanced model accuracy by 10%.
• Led a cross-functional team of 5 during the risk assessment project, improving collaboration and delivering results 20% ahead of schedule.

• Skills: SQL, Microsoft (Excel, Word, PowerPoint), Tableau, Python
• Certificates: Google Data Analytics Certificate, First Aid CPR AED