Ximan Chen
Senior Data Scientist
Jersey City,NJ
Summary
Senior Data Scientist with 8+ years of experience in developing end-to-end credit risk models across banking and FinTech domains. Proven expertise in the full model lifecycle, including data processing, feature engineering, model development, deployment, monitoring, performance evaluation, and continuous improvement. Proficient in working with traditional bureau data, alternative data sources, and unstructured data such as text and social network signals. Hands-on experience with tools including Python, SQL, Hive, Spark, and Snowflake. Strong at turning complex problems into scalable solutions and communicating insights to non-technical stakeholders.
Overview
8
8
years of professional experience
7
7
years of post-secondary education
Work History
Senior Data Scientist
PenFed Credit Union
04.2022 - Current
- Develop predictive models for credit and fraud risk, supporting risk-based decisioning and portfolio management.
- Lead end-to-end model development, including design, implementation, production deployment, and performance monitoring.
- Mentor and provide technical guidance to junior data scientists across projects and initiatives.
- Evaluate alternative and tri-bureau data sources, as well as third-party vendor solutions, by designing and executing proof-of-concept projects to assess business impact.
Senior Data Scientist
WeBank
01.2017 - 01.2021
- Developed and deployed 13+ production-grade credit risk models with strong performance and stability, supporting risk decisioning across a customer base of over 270 million.
- Built predictive models and scorecards using both structured and unstructured data to forecast delinquency, repayment likelihood, and customer response
- Created automated monthly monitoring reports to track model health; proactively maintained and recalibrated models to ensure continued accuracy.
- Conducted data analysis and reporting to support credit risk management, model validation, and business strategy.
Education
Master of Science - Computer Science
Xi'an Jiaotong University
01.2014 - 01.2017
Bachelor of Engineering - Transportation Information Engineering & Control
Harbin Institute of Technology
01.2010 - 01.2014
Skills
Domain Expertise: Extensive knowledge of credit risk modeling, consumer lending, and the banking industry
Programming Languages: Python (advanced), SQL (advanced), Java (intermediate), SAS (intermediate)
Machine Learning & Analytics: Experienced in statistical modeling, supervised/unsupervised learning, natural language processing (NLP), and deep learning
Libraries & Frameworks: Proficient with scikit-learn, pandas, NumPy, Keras, matplotlib
Big Data Technologies: Hands-on experience with Hive, Spark, Hadoop, and Snowflake for large-scale data processing
Patents and Publications
- Scoring card model construction method, device and apparatus, and computer-readable storage medium., CN112785415A, 05/11/21
- Credit scorecard model training method, device and system, and computer storage medium., CN112862593A, 05/28/21
- Text classification correction method, device and equipment, and computer-readable storage medium., CN111198948A, 05/26/20
- A centrality-based local-first approach for analyzing overlapping communities in dynamic networks., Pacific-Asia Conference on Knowledge Discovery and Data Mining (PAKDD), Springer, Cham, 2017
Timeline
Senior Data Scientist
PenFed Credit Union
04.2022 - Current
Senior Data Scientist
WeBank
01.2017 - 01.2021
Master of Science - Computer Science
Xi'an Jiaotong University
01.2014 - 01.2017
Bachelor of Engineering - Transportation Information Engineering & Control
Harbin Institute of Technology
01.2010 - 01.2014