Summary
Overview
Work History
Education
Skills
Hobby
Timeline
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Xia Lin

Pleasanton,CA

Summary

A strong credit mindset with a structured & disciplined approach to lending

  • 2-year Fintech credit lending based on open banking’s cash flow with proven records of the similar risk level as industry mainstream players’
  • 23-year Unsecured Consumer Credit Risk Management experience with proven track records that ‘survived’ the most recent two macroeconomic downturns
  • 7-year Small Business Unsecured Credit Risk Management experience during 2008 financial crisis

A people person taking the lead to build collaboration, respect, and trust

  • Ability to identify top talents of risk professionals, build and lead multiple credit risk teams
  • Ability to leverage and motivate dispersed teams and leverage their diverse perspectives and expertise, seek mutual understanding among peers/cross-function teams and upper-level managers

Passionate about designing real-time credit decision-engines and execution such as credit underwriting, account management, and authorization

Overview

29
29
years of professional experience

Work History

Chief Credit Officer (starting Sep 2023)

TomoCredit.com
San Francisco, CA
05.2021 - Current
  • Built up the full-suite risk functionalities/teams from scratch covering risk data infra, credit risk modeling, credit risk strategy, transactional fraud mitigation, and credit policy
  • Determine the credit appetite/boundaries, providing credit inputs into product design, portfolio management, and loss forecasting
  • Responsible for the full-cycle credit risk mitigation:
  • 1) Design and lead the development of 200+ features from bank transactional raw data. 2) Oversee development of predictive and statistical models. 3) Develop and refine comprehensive consumer credit strategies that encompass underwriting, account management, fraud, loss forecasting, and collections
  • Establish key performance indicators (KPIs) to measure the effectiveness of credit strategies and Manage roadmaps for ongoing improvements
  • Ensure all credit strategies adhere to relevant regulatory requirements and industry best practices
  • Proven records with competitive risk mitigation measurements: 1) 30-45% Improvement in delinquency for each advancement in model/strategy design, especially on first payment default rate. 2) Charged-off rate under most recent underwriting version is 1.2% vs Capital one 1.86% in 2023-05. 3) 5 bps transactional fraud rate, in line with industry standard
  • Lead conversations with equity investors and debt facilitators related to risk matrix and impacts to unit economics to voice Tomo’s position and identify opportunities
  • Designed the underwriting decisioning framework and built capabilities that scale for the future
  • Support the collection operation team for efforts related to early-stage and late-stage delinquency buckets
  • Support the Fraud operation team to identify and battle daily fraud trends

Data Contractor, Mid-size Commercial Loan

Wells Fargo Bank
12.2016 - 12.2018
  • Risk Management/Data Infrastructure –, contractor during career-break years
  • Led the development of data features related to mid-seize term loan in the AFS system


VP, Unsecured Consumer Credit Risk

Wells Fargo Bank
09.2013 - 06.2015
  • Led the risk collection strategy development team to support 6 unsecured consumer credit products
  • Led the development of collection platform that streamlined collection operation efforts across 6 business lines


AVP, Consume Credit Risk

Bank Of The West, BNP Paribas
05.2012 - 09.2013
  • Developed and maintained the Loss Forecasting long-term and short-term models for all consumer credit products covering auto loans, marine loans, mortgage portfolios


AVP, Small Business Unsecured Credit Risk

Wells Fargo Bank
11.2007 - 05.2012
  • Underwriting Strategies for unsecured line of products (Business Line and SBA)
  • SBA term loan underwriting strategy and maturity strategy
  • Led the bank-wide system conversion efforts during the Wachovia bank acquisition

Manager, Credit Card Risk Management

HSBC Credit Card Services
06.2000 - 11.2007
  • Account management strategies covering line increase, line decrease, reissue via Triad
  • Balance transfer strategy, consumer spending Strategy
  • Authorization overlimit and delinquency strategies
  • Payment risk strategy

AVP, Commerical Loan Credit Risk

Export And Import Bank Of China
04.1995 - 05.1998
  • Long-term Commercial Loans to High Tech services companies and Heavy Equipment manufacturing companies
  • Evaluated the repayment ability via comprehensive analyses on balance sheets, cash flow, down-payment methods, collaterals, guarantors' financial strength as well as international contracts, country risk etc.
  • Made credit decision recommendations to the board

Education

MS - Applied Economics

University of Alaska – Fairbanks
Fairbanks, Alaska

MS - International Finance

Peking University
Beijing, China

BS - Economics

Peking University
Beijing, China

Skills

  • Strategy/Model Development Software: SAS stats, Fico Model Builder (analytical workbench), Knowledge Studio
  • Quantitative Analysis: SAS, SQL, Python
  • Reporting: Tableau, Looker
  • MS Tool Suite: Word, PowerPoint, Excel (Advanced), Visio, and Project

Hobby

Landscaping Design, Gardening, Home-wine making

Timeline

Chief Credit Officer (starting Sep 2023)

TomoCredit.com
05.2021 - Current

Data Contractor, Mid-size Commercial Loan

Wells Fargo Bank
12.2016 - 12.2018

VP, Unsecured Consumer Credit Risk

Wells Fargo Bank
09.2013 - 06.2015

AVP, Consume Credit Risk

Bank Of The West, BNP Paribas
05.2012 - 09.2013

AVP, Small Business Unsecured Credit Risk

Wells Fargo Bank
11.2007 - 05.2012

Manager, Credit Card Risk Management

HSBC Credit Card Services
06.2000 - 11.2007

AVP, Commerical Loan Credit Risk

Export And Import Bank Of China
04.1995 - 05.1998

MS - Applied Economics

University of Alaska – Fairbanks

MS - International Finance

Peking University

BS - Economics

Peking University

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