Yulin Ji

VP/Quantitative Financial Analyst - RBS Citizens Financial Group

Chestnut Hill, MA

acb7ky@r.postjobfree.com - 617-***-****

● Accomplished statistician with 8 years of experience in helping businesses innovate, grow and improve

through advanced analytics and predictive modeling.

● Exceptional at translating business objectives into statistical design, performing analysis, predictive

modeling and communicating insights/recommendations to project teams and BU management.

● Provable ability to undertake multiple tasks and to quickly adjust to new challenges and environments

WORK EXPERIENCE

VP/Quantitative Financial Analyst

RBS Citizens Financial Group - October 2012 to Present

Leading a model building team on retail portfolios within Advanced Analytics department. Responsible to

identify and evaluate risk performance on several consumer loan portfolios by building Probability of Default,

Loss Given Default and Exposure at Default models. Actively communicate with business owners, regulators

and model validation team to ensure meaningful and creditable results for business decision.

Sr. Statistician

Risk and Portfolio Management - December 2010 to September 2012

First Marblehead Corporation

• Responsible for the development and maintenance of consumer lending origination models to score incoming

student loans application for the purpose of accessing future financial risks, which leading to improvements

in the consumer lending underwriting process.

• Developing portfolio management models to identify future short-term risk of default for loans currently

booked by utilizing loan origination data, refreshed credit bureau data, loan performance history and current

environment indicators with goal of forecasting portfolio performance, development of account management

strategies and enhancing delinquent loan collection methods.

• Providing analytical support to departments such as marketing and product strategy. Projects include

experiment design and data analysis for marketing campaign, and new consumer lending products

development.

Sr. Scientist/Statistician

PepsiCo - June 2008 to December 2010

Dedicated statistician to PepsiCo Consumer Insight Division. Projects involved building predictive modeling

platform to identify driving factors to consumer liking and market success for portfolio of billion-dollar food and

beverage brands.

● Leading statistician to technology-innovation long-term project using dose-response modeling to study the

physiological effect of food ingredients.

● Collaboration between cross-functional teams to provide statistical insights and strategy to facilitate business

decision making and technical advancement.

● Adapted and implemented advanced statistical knowledge and tools to PepsiCo Global R&D projects;

provided strong and timely technical support. Specific roles included using experimental design for product/

process innovation, consumer preference analysis and strategic planning for new product development,

consumer base prediction and providing root-cause/sampling plan analysis.

Research Associate

Washington State University - July 2007 to June 2008

Awarded two competitive research grants as principal investigator, to initiate research activities with aim of

modeling various biological engineering systems. Co-supervise three Ph. D students, serving as a liaison with

the academia and industries, actively pursuing collaboration opportunities with the other organizations, and

actively attracting research grants.

Senior Scientist & Statistician

Plantic Technologies Ltd - September 2005 to June 2007

Led a large multi-million dollar project, in conjunction with Australian Cooperative Research Center, to develop

and commercialize new bio-plastic technologies.

● Functioned as the internal expert in the area of statistics, and influenced the use of statistical tools across

the organization to drive more efficient use of data and better decision making.

Research Assistant/Statistician

Iowa State University - January 2005 to August 2005

Worked on a project from Iowa Department of Transportation to analyzing data to evaluate the effect of

implementation of new traffic law on the performance of drivers.

EDUCATION

Ph.D in Statistics

Iowa State University

2005

MS in Physics and Chemistry

Peking University

1999

ADDITIONAL INFORMATION

SPECIALTIES

● Expert in data mining, survival data analysis, time series analyses and predictive modeling

● Specific expertise in the statistical designs (including DOE), sampling, statistical inferences, linear &

nonlinear regression, logistic regression, decision tree modeling, consumer segmentation, cluster analysis,

factor analysis, categorical data analysis, multivariate techniques, data-mining, predictive modeling, survival

data analysis, longitudinal study, and dose-response modeling.

● Extensive experience with large corporate data bases, credit bureau date, demographic data, consumer

survey & market data.

● Proficient experience in statistical analyses by using SAS, SAS Enterprise Miner, SQL, JMP, R and STATA.

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