Customer Service Management
Resume:
Yun(Angela) Ge
Jersey City, NJ 07302
********@******.*********.***
EDUCATION
PRINCETON UNIVERSITY, M.E., Operations Research and Financial Engineering
2000-2001
Department of Operations Research and Financial Engineering, GPA 4.0
FUDAN UNIVERSITY, SHANGHAI, CHINA, B.A., International Economics
1994-1998
Department of World Economy, GPA 3.6
WORK EXPERIENCE
ANGELA GE FASHION JEWELRY (http://shop.angela-ge.com) Owner,Buyer
2009-Present
. Implement online marketing strategy and grassroots marketing campaigns.
. Develop relationship with media outlets to expand customer base;
provide online customer service.
. Seek out jewelries appropriate for Chinese market, plan with designers
for brand launch.
. Short-term and long-term plans for budgeting, inventory control.
MOODY'S INVESTORS SERVICE Associate Analyst, Structured Finance
2005-2009
. Rate ABS (Credit Card, Student Loan, and Esoteric) deals based on
quantitative and qualitative analysis of collateral performance and
clients' business.
. Credit risk analysis using Moody's cashflow model and Monte Carlo
simulation.
. Conduct ratings committees in determining deal structure, rating
actions, and deal amendments.
. Publish pre-sale reports, new issue reports for the deals, master trust
reports and special comments on ABS related topics.
. Meet with issuers to discuss issues ranging from business strategies to
financial status to risk management.
. Lead Analyst and primary relationship management for credit card ABS of
American Express, Capital One, HSBC.
. Delegate report updates, as well as some fundamental analytics, to
senior associates.
CITIGROUP AVP, Risk Management
2004-2005
. Analyze consumer credit risk, establish underwriting criteria to target
thin file population, coordinate with marketing and finance departments
to launch test to sample population.
. Credit Line Assignment. Build the credit line assignment model.
Assign credit lines to different groups of customers to control the
risk of the portfolio.
BANK OF AMERICA
2001-2004
Senior Project Analyst II, Marketing Administration - Strategy and
Development
. Identify and analyze key metrics that impact business, develop business
strategy based on the analyses.
. Market Share and Share of Wallet analysis. Find the market
opportunities and made conclusions of new targeting strategy.
. Customer Clusters analysis. Build customer clusters based on criteria
such as behavior, risk, income, education, and so on. Analyze the
backend performance of different customer clusters, which includes Net
Income, Interchange Income, Interest Income, COF, Charge-Off, Late Fee,
etc., and the front-end performance such as Response Rate, Approval
Rate, Success Rate and Cost per Account (CPA). Find out the
profitability and risk of different clusters and adjust the marketing
strategy.
. Product Performance analysis. Based on customer clusters, analyze the
backend and front-end performance of different products such as Reward
Program, IOPO, Teaser, etc. Find the appropriate products for
different customer clusters.
Senior Business Analyst, Treasury and Finance Department
. Analyze company's capital structure, develop and implement funding
strategy and hedging strategy. Build and maintain the asset/funding
linkage tool.
. Forecast interest rates and Cost of Fund (COF) for annual plan, ALCO
process, Campaign Acquisition, and sensitivity analysis purposes.
Analyze the COF for different funding strategy using investment
analysis including Option Pricing.
. Asset Liability Management (ALM) analysis. Analyze, report and control
interest rate risk position through the ALCO process and the Static GAP
analysis. Give presentations to the senior management team based on
the analysis.
. Validate the Campaign Acquisition P&L model. Build the Interest
Expense Forecast Model.
. Direct junior analysts to forecast Interest Expense, Securitization
Income Statement and Balance Sheet.
AGRICULTURE BANK OF CHINA, SHANGHAI, CHINA Financial Advisor (intern)
1999
. Assisted senior consultant to consult with customers regarding
financial needs, recommend products and services.
RESEARCH EXPERIENCE
2000-2001
PORTFOLIO MANAGEMENT
. Constructed portfolios for different customers regarding their personal
financial status and interests.
. Found the Market Portfolio, the Minimum-Variance Set and the effect of
changing the components of the market.
LEASE FINANCING
. Performed amortization tables and the buy/sell vs. lease analysis
concerning the use of a building.
. Explained the IRR analysis for both parties and found the break-even
rental payment.
SKILLS
. MS Office(Excel, Word, Power Point), Bloomberg System, SAS, SQL,
PeopleSoft, Hyperion, Crystal report
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