Hao Zhou

Experience

• 

  Liberty Mutual Insurance

  May 2016 - Aug 2016

  Data Science Intern

  Price Elasticity of Demand (PED) for the Landlord New Business insurance market- First Landlord conversion model in the company that estimated competitor's prices- Estimated country-wide and state-level demand impact from premium changes- Propensity-score-matching used to adjust for potential group differentiation

• 

  Liberty Mutual Insurance

  Jan 2017 - May 2018

  Lead data science projects in Marketing and Distribution. Project include- Broker segmentation (segmenting brokers by sales and retention)- Broker supplemental compensation studies (how carrier should optimally pay its brokers)- Finalist presentation notes study (how strength and weakness of LMB impact sale outcome) Lead and Support Distribution and Marketing. Projects include- Individual Market Customer Segmentation- A&H Product Cross-Sell Campaigns- Sales Representative Effectiveness Study

  • Principal Analyst, Data Science, Liberty Mutual Benefits

    Jan 2018 - May 2018

  • Senior Analyst, Data Science, Liberty Mutual Benefits

    Jan 2017 - Jan 2018
• 

  Lincoln Financial Group

  May 2018 - Sept 2020

  Senior Data Scientist

  Liberty Mutual Benefits Acquired by Lincoln Financial Group.Lead various data science projects in Distribution and Claims. Manage data science projects in Pricing. Interact regularly with Pricing leaders. Projects include - Distribution: Market Insight Tool, D&B data analysis - Claims: Claims Clinical Models, Text Mining on Claim Notes- Pricing: Price Elasticity of Retention, Incidence Rate Study

• 

  Liberty Mutual Insurance

  Sept 2020 - now

  Lead a data science team to support personal line casualty claims. Lead a data science team in Corporate Legal to apply data science modeling to explain and predict litigated claim outcomes (legal cost, claim loss, and cycle time). Developed LLM tools to find prior legal opinions and summarizing legal documents Lead various Corporate Legal DS projects while serving as "player coach" to mentoring junior team members. Projects include: - Build, deploy, maintain and upgrade various legal cost models to influence legal decision making processes like rate increase requests and negotiation strategies.- Build Bi-gram LSTM models to identify erroneous invoice line items (Vagueness and Paralegal lines) using 10’s of millions of line items data with work descriptions (free text) from vendor law firms.

  • Director II, Data Science, Casualty Claims

    Dec 2024 - now

  • Director I, Data Science, Corporate Legal

    May 2022 - Nov 2024

  • Assistant Director, Data Science, Corporate Legal

    Sept 2020 - May 2022