Specialties: •Programming: R, SAS, MATLAB, Python, SQL •Familiarity with Windows/Mac OS Operating Systems, Microsoft Excel, Microsoft PowerPoint, Microsoft Office •Good understanding of Loss forcasting, Model UAT, Credit risk, Valuation, Pricing & risk methodology, Numeric Method •Language: Fluent in English, Mandarin

Senior Business Analyst @ •Improve digital channel application quality and quantity via credit risk and marketing strategy solutions •Building credit policy and analysis to catapult new products with risk and financial model •Validate and analyze financial model against assumption for model launching •Developed credit policy based on risk and financial measurements through sound analysis and supported execution process •Researched and developed default risk model improvement solution, presented and got buy-in from stakeholders •Conducted model validation and analysis key drivers for retail portfolios under M&A deal with HSBC US card From March 2013 to Present (2 years 8 months) Mclean, VABusiness Analyst @ •Provided detailed analysis and documentation of methods, techniques on DM campaign execution process •Continuously served as subject expert for DM acquisition and provided internal trainings for related skillsets •Generated monthly campaign business report and presented to stake holders across business line •Collaborated with business strategy, finance and operation team to facilitate 11 error-free campaign executions •Well-managed execution process of two $50,000 portfolios with ~151MM individual credits across three Bureaus •Identified improvement opportunity in marketing strategy execution process and provided all agreed solution •Implemented and maintain customer behavior model, designed monitor plan for long-term management •Built targeted insights into product and design test in marketing strategy to deliver best customer experience From May 2012 to March 2013 (11 months) Mclean, VACredit Risk Analyst @ Well-managed execution process of two $50,000 portfolios with ~151MM individual credits across three Bureaus From March 2012 to May 2012 (3 months) Tigard, ORResearch Assistant @ •Build model with empirical electricity price to characterize the correlation b/t day-ahead & real-time market price •Designed an optimal investment strategy with Fama-MacBeth two-pass cross-sectional regression methodology •Modified multivariate regression models by including load; this improvement made a 12% increase in return From August 2010 to December 2011 (1 year 5 months) Greater Atlanta AreaQuantitative Researcher--Summer Intern @ •Made innovation improvement on daily risk measurement by introducing statistics - shrinkage intensity •Improved optimal portfolio selection based on Information ratio with shrinkage risk estimator •Conduct comparative analysis with different data frequencies to validate the use of shrinkage risk estimator From June 2011 to August 2011 (3 months) NYBusiness Analyst Intern, Small & Medium Enterprises (SME) Mortgage Department @ •Analyzed and estimated net profit and credit risk to make decision on SME mortgage underwriting •Designed valuation model to accelerate and simplify the process of underwriting and guarantee error-free •Assisted securitization of three commercial mortgage-backed securities to increase department sales volume •Monitored portfolio performance and made adjustment recommendation accordingly From January 2010 to March 2010 (3 months) Chengdu, Sichuan, ChinaSales -Intern @ Exceeded the first two-month sale objective in selling life-insurance packages Analyzed statistical data of customer packages to facilitate issuance of particular insurance products From June 2007 to September 2007 (4 months) Chengdu, Sichuan, China

Master of Science, Quantitative and Computational Finance @ Georgia Institute of Technology From 2010 to 2011 Bachelor of Science, Mathematics and Applied Mathematics @ Sichuan University From 2006 to 2010 student, Mathematics and Applied Mathematics @ Indiana University of Pennsylvania From 2008 to 2009 Vera Luo is skilled in: SAS, R, C++, SQL, Matlab, Analysis, Statistical Modeling, Mathematical Modeling, Fixed Income, Microsoft Excel, Statistics, Derivatives, Portfolio Management, Risk Management, Credit Risk, Financial Forecasting, Management, Finance