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Hecan Cai

@hecancai

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Credit analyst and statistical modeler using SAS, SQL, Python/R to improve credit strategy and decision-making.

United States

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What I'm looking for

I’m looking for a role where I can own credit analytics and statistical modeling—turning SAS/Python/R analyses into clear leadership reporting, monitoring frameworks, and smarter decision-making through strong teamwork.

I’m a credit analyst with a strong statistical foundation, including a Master of Science in Statistics and a competitive full graduate fellowship at the statistics department. I bring “excellent modelling and decision tree analyses” and “strong analytical skills” developed through rigorous coursework like linear/non-linear regression, optimization, and machine learning (XGboost, Random Forest, SVM).

At Barclays, I’ve built leadership-ready reporting (MBR decks, monthly waterfall reports), maintained initiative trackers, and supported credit strategy improvements through CRF proposal work and income logic enhancements. I also worked on acquisition credit risk model monitoring, UAT for credit changes, and approval rate analysis—while contributing as a Teaching Assistant for SAS and R-based database and programming courses.

Experience

Work history, roles, and key accomplishments

Current

Credit Line Increase Credit Analyst

Current

Barclays Bank Delaware

Jun 2023 - Present (3 years)

Prepared MBR decks and monthly waterfall reports for senior leadership, building initiative trackers to compare actual outcomes vs. projections and flag improvement opportunities. Collaborated on CRF proposals for enhanced CLI strategies and improved CLI ATP logic by integrating alternative data sources to increase calculation accuracy for credit decision-making.

Credit Risk Analysis SAS SQL CRF CLI Strategy Support Data Integration

Acquisition Credit Risk Analyst

Barclays Bank Delaware

Jun 2022 - May 2023 (11 months)

Created model monitoring reports and support files for the acquisition credit team, enabling deeper dives into monitoring results including vintage-level performance. Built MBR slides using SAS, supported UAT for underwriting strategy changes, and analyzed approval-rate trends to meet partner requirements.

Model Monitoring SAS MBR Reporting Underwriting Strategy Approval Rate Analysis Data Reporting

Statistics Teaching Assistant

University of Delaware

Sep 2020 - May 2022 (1 year 8 months)

Supported STAT 674 (Applied Database Management using SAS) and STAT 666 (R programming) by creating SAS/R coding quizzes and grading assignments. Assisted with instructional delivery to reinforce students’ practical programming and database concepts.

SAS R Assignment Grading R Programming Statistical Coursework

Logistic Modeling Research Assistant

University of Delaware

Developed a logistic regression model using teenage birth (2009–2011) as the dependent variable and 43 independent variables. Performed univariate distribution analysis and data treatment (outliers/missing values), transformed variables, used correlation screening and stepwise selection, and validated the final model for variable sign, collinearity, and in/out-of-time performance.

Logistic Regression Statistical Modeling data preprocessing Outlier & Missing Value Treatment Variable Selection (Stepwise)Collinearity Checks Model Validation

Education

Degrees, certifications, and relevant coursework

University of Delaware

Master of Science in Statistics, Statistics

2021 - 2023

Grade: Dean’s List: Fall 2021, Spring 2022, Fall 2022

Activities and societies: Phi Theta Kappa Honor Society member; competitive full graduate fellowship (Statistics department).

Earned a Master of Science in Statistics at the University of Delaware (Sep 2021–May 2023). Recognized on the dean’s list and received a competitive full graduate fellowship in the Statistics department.

University of Delaware

Bachelor of Science, Statistics

Grade: Dean’s List: Spring 2019, Fall 2019, Spring 2020, Fall 2020

Activities and societies: Phi Theta Kappa Honor Society member.

Earned a Bachelor of Science in Statistics from the University of Delaware, graduating in May 2021. Completed minors in Computer Science and Mathematics and maintained dean’s list recognition.