Open to opportunities

Jing Peng

@jingpeng

Message

I’m a data analyst specializing in credit risk analytics, model validation, and automated risk dashboards.

China

Message

What I'm looking for

I’m looking for a role where I can own credit risk analysis end-to-end—policy and model validation, continuous monitoring, and automated dashboards—to improve decisioning and reduce delinquency through data-driven risk insights.

I’m a data analyst focused on credit risk analysis and decision support. In my current role at Shanghai Yinlv Information Technology Service, I analyze customer risk profiles, build indicator systems for credit policies, and monitor channel performance to recommend operational improvements.

I also validate risk model variables for stability, distribution, and effectiveness, and I support model development and monitoring. Across fintech and banking experience—including credit rules configuration with URule, multi-source data testing, portfolio forecasting, and fraud detection—I deliver risk reports, dashboards, and early-warning automation that help teams act faster and reduce bad debt.

Experience

Work history, roles, and key accomplishments

Data Analyst

Shanghai Yinlv Information Technology Service

May 2021 - Mar 2026 (4 years 10 months)

Analyzed customer risk profiles using approval, repayment, and historical data to build indicator systems supporting credit policies and business decisions. Built automated dashboards for real-time risk tracking and early warning while monitoring channel performance and validating risk model variables.

Credit Risk Analysis Credit Risk Validation SQL Python Channel Performance Modeling

Data Analyst

Dongqiao Technology (Shanghai)

Oct 2020 - May 2021 (7 months)

Tested and launched multi-source data pipelines by evaluating coverage, accuracy, and business value. Built pre- and post-loan monitoring frameworks to track policy effectiveness and configured credit rules using URule with simulation and blacklist management.

Data Testing Data Integration Simulation Blacklisting Data Quality Analysis

Risk Analyst

Shanghai Jiayin Fintech

Sep 2016 - Apr 2020 (3 years 7 months)

Tested third-party data and designed/maintained credit risk policies while producing risk reports and operational insights. Forecasted portfolio metrics and flagged abnormal trends to support risk monitoring and decision-making.

Risk Reporting Anomaly Detection SQL Python Risk Monitoring

Senior Credit Specialist

China Merchants Bank Credit Card Center

Jul 2014 - Aug 2016 (2 years 1 month)

Conducted credit investigations and fraud detection to assess customer risk tiers and improve risk controls. Identified illegal agencies and took actions to reduce bad debt.

Fraud Detection Policy Enforcement SQL Data Analysis