QIAN(SKYLAR) ZHA
New York,NY
Summary
Highly motivated and goal-driven Financial Analyst skilled in collecting, monitoring and studying data to analyze financial status and recommend business strategy. Experienced in qualitative and quantitative analysis, contract management and forecasting. Tech-savvy in use of spreadsheets, accounting and financial management software.
Overview
3
3
years of professional experience
1
1
Certification
Work History
FIG Financial Analyst
China Merchants Bank Co., Ltd., New York Branch
07.2023 - Current
- Conducted comprehensive credit memos and credit reviews for prominent financial institutions to assess creditworthiness and manage risk exposure
- Developed financial models and conducted financial valuation and analysis on advisory work in M&As, origination and execution of equity, debt, and other transactions, both domestically and cross border
- Compiled and analyzed financial statements, cash flow projections, and covenant compliance for loan portfolio management.
Fraud Detection Data Scientist
Xinyan Artificial Intelligence Technology Co
06.2022 - 12.2022
- Led the design and deployment of an anti-fraud machine learning model product, 'Negative Probe', leading to a 25% decrease in false positives and a 20% improvement in fraud detection accuracy
- Managed a SQL database encompassing 10,000+ individual ID and name records
- Utilized Python for fine-tuning machine learning models and conducted A/B testing on the 'Negative Probe', resulting in a 54% collection rate, an overall bad debt reduction to 11.5%, and a drop in the first-payment default rate from 35% to 25%.
Equity Research Analyst
Guotai Junan Securities
05.2021 - 11.2021
- Amplified investor engagement by collating and presenting operational statistics for 1k+ companies using SQL
- Assessed short/long term market trends using SQL to gather data from the most recent three days, enabling accurate investment reports for over 20k users
- Evaluated firms' current enterprise values and potential upside by applying DCF valuation models in Excel.
IT Strategy Consultant - Oracle EBS
Deloitte
06.2020 - 08.2020
- Collected client requirements, compiled over 500 documents using Oracle EBS, leading to a 20% enhancement in system performance
- Implemented an upgraded data analytics system to the cloud, promoting efficient usage among 10k+ employees
- Conducted comprehensive training for 6k+ end-users, resulting in a 25% improvement in user adoption and satisfaction rates.
Education
Master of Applied Analytics -
Columbia University
New York City, NYB.S. in Business, Finance -
University of Connecticut
Storrs, CT05.2021
Skills
- Data Analysis
- Statistical Analysis
- Financial Modeling
- MS Office Suite
- Regression and Classification Models,Decision Tree Models, Clustering Models
- Time Series Models
- Cross Validation
- AB Testing
Tools Skills
Regression and Classification Models, Decision Tree Models, Clustering Models, Time Series Models, Cross Validation, AB Testing, Hypothesis testing, Data Visualization, Exploratory Data Analysis, Tableau, Excel, Python (Pandas, NumPy, TensorFlow, Sklearn, Matplotlib, Seaborn), SQL, R, Google Professional Data Analytics, Codecademy Data Scientist, Bloomberg Market Concept, Codecademy Business Intelligence
Projects
Porto Seguro's Safe Driver Prediction(Python, XGBoost, Cross Validation)
- Developed a metadata analysis framework, addressing data cleaning and feature selection for over 10GB of raw data. Handled a significant 26:1 data imbalance using Python SMOTE and implemented model-based missing value filling (MICE/univariate filling) and outlier detection.
- Introduced target encoding techniques, combined with adding noise and smoothing operations, effectively reducing data leakage probability by 30%. Selected over 60 features based on importance analysis (SHAP, tree models), enhancing model performance by 20% and reducing overfitting risks.
- Leveraged XGBoost for model predictions, boosting model accuracy by 12% and optimizing the average normalized Gini coefficient to 0.286 through 10-fold cross-validation
Business Data Analysis Based on YELP Dataset (SQL, Tableau)
- Prepared a MySQL database integrating 1.32M user data points, encompassing Yelp reviews, platform check-ins, and business projections, from six disparate sources.
- Executed sentiment analysis on 5.26 million reviews using Python, leveraging feature vectorization and text mining, leading to a 17% improvement in rating precision.
- Developed comprehensive three-dimensional root cause reports to address elite user retention, effectively driving a 12% increase in retention through data-derived insights
Certification
Google Professional Data Analytics
Codecademy Data Scientist
Bloomberg Market Concept, Codecademy
Business Intelligence Data Analyst
Timeline
FIG Financial Analyst
China Merchants Bank Co., Ltd., New York Branch
07.2023 - Current
Fraud Detection Data Scientist
Xinyan Artificial Intelligence Technology Co
06.2022 - 12.2022
Equity Research Analyst
Guotai Junan Securities
05.2021 - 11.2021
IT Strategy Consultant - Oracle EBS
Deloitte
06.2020 - 08.2020
Master of Applied Analytics -
Columbia University
B.S. in Business, Finance -
University of Connecticut
Google Professional Data Analytics
Codecademy Data Scientist
Bloomberg Market Concept, Codecademy
Business Intelligence Data Analyst
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