Tingxue (Leah) Zhao

• Drove major growth in US Savings Jars by leading backend design for interest calculation, savings tracking, and onboarding flows in collaboration with mobile, design, and data teams.
• Launched the Monzo US Subscription product ($10/month) by building subscription management, billing, and entitlement systems; contributed to the overall product strategy and successful rollout.
• Led backend implementation for the Merchant Cashback program, designing offer management and merchant-selection APIs; supported pilot launches across multiple US states.
• Expanded CRM capabilities by integrating Braze and MDL, replacing legacy tooling and enabling automated lifecycle campaigns; improved engagement and reduced manual operational work.
• Partnered with Growth Marketing to deliver targeted CRM campaigns that increased user engagement and onboarding success, including automated monthly statement delivery and early funding nudges.

• Designed, coded, and maintained the loan servicing and reporting services for multiple partner banks, ensuring scalability and reliability in a fast-growing environment.
• Participated in building an event-sourcing platform to process and record all balance-affecting events through webhooks — reducing daily ledger events by 99.8% and making data deliverables more efficient.
• Collaborated with product managers and other engineering teams to build event-driven systems that calculate, audit, and update loan payment allocations and delinquency statuses, supporting partner expansion and compliance needs.

Migrated legacy systems into containerized Docker environments and developed modern React/Redux interfaces, improving deployment efficiency and user experience at a fast-paced startup.

• Led global forecast meetings across NY, London, and Singapore.
• Designed and tested algorithms for credit review and financial model automation.
• Built advanced models for cash flow projections, enterprise valuations, and scenario analysis.