Clara Lu

Experience

• 

  Yunnan International Trust Co., Ltd.

  Jun 2019 - Aug 2020

  Risk Analyst – Structured Finance

  Analysed financial data of structured finance transactions including investment value and risk level of asset-backed securities, applying historical data to develop loss expectations for various asset classes and to appropriately measure cash flow model transactions. Determined credit quality of underlying assets, including originators and servicers to assess future performance.

• 

  BAIWEI TECHNOLOGY CO., LTD

  Aug 2020 - Aug 2021

  Credit Risk Analyst

  Collaborated with banking and technology clients to support businesses across the end-to-end credit lifecycle. Participated in quantitative credit risk engagements and projects, utilising advanced analytics, big data, digital technology, and business knowledge to analyse client performance and forecast future activity in order to deliver robust recommendations to the business. Identified risks and raised issues with senior members of the team.

• 

  Ant Group

  Aug 2021 - Aug 2022

  Risk Associate Analyst - Payment

  Managed end-to-end risk throughout the customer lifecycle. Responsible for monitoring, predictive analytics, and modelling, as well as performing research and analytics in order to provide data driven and actionable insights on Account Takeover (ATO) fraud. Act as subject matter expert, partnering with key stakeholder to proactively develop solutions to drive business and support customers in line with risk strategy and goals.