Sales Management

LI ZENG

*** ****** ******, ***** ****, NJ *****

201-***-**** (home); 609-***-**** (cell)

E-mail: **.******@*****.***

Profile: Formally credit-trained finance and risk management professional

with impeccable integrity. Over 11-year experience in credit, risk

management, financial control and pricing. Strong background in

international business. Expertise includes:

-Commercial Credit Underwriting -Strategic and Corporate

Planning -Sales and Marketing Support

-Pricing & Structure Finance -Risk Management

-Business Performance Matrix

-Financial Modeling & Business Analysis -Budgeting and Forecasting

-Capital Market

-IPO and M&A -Financial Control

-Investment Evaluation

PROFESSIONAL EXPERIENCE

FULLERTON INVESTMENT AND CREDIT GUARANTEE CO. LTD NANJING, CHINA

Jan. 2010 - Current

Head, Portfolio Management

Jan. 2010 - Current

Wholly-owned Subsidiary of Singapore Sovereign Wealth Investment, Temasek's

Financial Investment Vehicle, Fullerton Financial Holdings. Temasek is

currently rated AAA by both S&P and Moody's.

. Manage the portfolio mix and enhance returns by providing customer

segmentation and investment performance matrix.

. Build the Business Intelligence Team and systems to support the rapid

growth in the under-served Chinese SME segment.

. Lead the revolutionary project of partnering with the largest B2B online

firm Alibaba to provide financing to SMEs.

. Support new product developments and pricing. Increase target market

penetration by screening the sales prospects.

. Centralize the company management reporting. Provide board level

financial analyses and presentations.

CANON FINANCIAL SERVICES, INC, A CANON COMPANY MT. LAUREL, NJ

Sept. 2007 - Sept. 2009

Senior Manager, Strategic Pricing and Financial Analysis

Sept. 2007 - Sept. 2009

. Managed company's profitability and margins. Portfolio size was $1.4

billion.

. Increased the new business margin by 200-300 bps. The spread was the

highest in the company history.

. Developed and implemented risk-based pricing and financial discipline in

the company to capture pricing opportunities.

. Provided day-to-day leadership and financial expertise in managing

Company's pricing and financial analysis departments.

. Designed and created management information database to provide analytics

for Company's sale growth and initiatives.

. Educated management in better understanding the business and portfolio as

a key member in the senior management team.

. Monitored the rate card business and price large competitive deals.

Developed pricing for new programs.

. Supported Parent companies sales and marketing efforts through Bid

support and program pricing.

. Helped develop risk management tools by capturing delinquency, portfolio

concentration and loss information.

. Provided portfolio historical behaviors to support the budgeting and

forecasting efforts.

. Conducted portfolio segmentation to better understand the customers and

provide tailored financial solutions.

. Mentored and grew my team by building a team oriented environment.

. Oversaw analysts in collecting market intelligence and creating financial

models.

. Indentified new pricing opportunities for Parent company through

competitive analysis and third party verification.

CITICAPITAL VENDOR FINANCE, A CITIGROUP UNIT MAHWAH, NJ

Jan. 2000- Sept. 2007

Vice President/Credit Officer, Credit Department

July 2005- Sept. 2007

. Underwrote deals over $1MM for the Business Technology group according to

regulatory and Citigroup internal policies.

. Managed lending portfolio risks across a diverse customer base.

. Performed financial analysis and prepare credit memos using Moody's

Financial Analyst and Debt Rating Model. Familiar with public, private

and personal financial statements as well as SEC reporting requirements

and US GAAP statements.

. Conducted annual reviews and evaluate risks for customers with aggregate

exposures over $1MM.

. Classified borrowers' loan portfolios and provided early warning for

problem loans and minimize loan losses.

. Completed all the compliance and regulatory trainings required by credit

officers, including Basel II and Sarbanes-Oxley.

. Identified the largest fraud in the company history through my credit

review and business acumens.

. Acted as the lead office to assess our 9.11 exposure and formulated the

loss minimization strategy for the company.

. Was invited to be in the due diligent team for Citigroup to purchase the

China Guangdong Development Bank.

. Formally credit trained by Citigroup in the six-month full-time

Commercial Credit College. Was regarded as a high potential officer who

has the ability to help the bank grow internationally. Was offered a

high position in Citibank China.

Vice President, Corporate Planning & Pricing Department

Aug. 2000 - July 2005

. Priced and structured new programs and deals for this $3 billion Business

Technology group. Hedged the risks against cost of fund fluctuations in

our pricing programs using capital market indexing and other internal

hedge mechanisms.

. Developed quarterly dealer segmentation analysis that included detailed

ROE and P&L for 1,000+ vendor relationships. It was praised as the best

practice and was implemented across CitiCapital Vendor Finance, including

Canada and UK.

. Participated in developing and implementing company's long-range

strategic plan. Developed tactics to achieve the plan.

. Assisted in managing back-end losses and recoveries by providing analyses

in delinquency, losses, and residuals stress test.

. Developed Risk Management Monthly Reporting Package that included

historical loss information, monthly loss analysis, and delinquency by

business units.

. Performed complicated business analyses for Managing Director, such as

evaluation of exiting certain businesses, purchase and sale of

portfolios, loss forecast, residual exposure risk, and Balance of Payment

P&L impact.

. Conducted quarterly business review for all business units and primary

vendor relationships. Results are used as basis for restructuring major

relationships, pricing adjustments and enhancing overall business

performances.

. Facilitated in integrating of EAB/Fidelity and Associates business

acquisitions.

. Participated in the system consolidation project and personally involved

in the data mapping and system design.

. Managed analysts to collect market intelligence and conduct competitive

research. Researched new and existing markets. Monitored and analyzed

competitors and industry trends.

Senior Financial Analyst, Financial Control and Accounting Department

Jan. 2000 - Aug. 2000

. Created dynamic risk-based pricing model, which provides Present Value

projections, GAAP income statements and scenario analyses. Increased

productivity ten-fold and significantly reduced turn-around time.

. Provided financial expertise and support to all business units as it

related to their financial results, profitability, productivity, and

pricing structures.

. Teamed with senior sales professionals in developing new business

opportunities and analyzing portfolio acquisitions to ensure that

corporate objectives were achieved. Provided pricing support to this $4

billion multinational company.

. Assisted in portfolio acquisitions and due diligence evaluation process.

. Performed financial modeling and analyses of company's monthly

performance, such as ROE and PV Profits.

. Implemented and assisted the company budget and monthly forecast by

utilizing multi-dimensional database.

. Developed new financial models and enhanced existing models to provide

innovative business solutions.

BANKVEST CAPITAL CORP. MARLBORO, MA

June 1998 - Jan. 2000

Financial Analyst/ Assistant to the President

. Conducted monthly sales of asset-backed securities through securitization

and syndication channels. Familiar with US capital market conditions,

debt instruments and debt structures as well as the associated accounting

treatments.

. Prepared company budget, monthly management reports, and analyzed

financial condition for the company.

. Assisted to manage company's cash flow. Developed a cash flow model to

forecast company's cash position.

. Performed financial modeling and analyses of company's 5-year business

plan.

. Developed and implemented company's financial control and reporting

system.

. Participated in company's preparation for IPO, M&A, issuing of commercial

paper and sale of the company.

. Acted as the finance expert in providing financial modeling and enhancing

existing models for on-going business.

. Provided information and support for financial reporting and related

external audit.

. Assisted in conducting and implementing company's strategic plan and

sales tactics.

. Monitored company's financial conditions and its securitization

covenants.

LEVY TRAJMAN MANAGEMENT INVESTMENT, INC BURLINGTON, MA

Sept. 1997 - Dec. 1997

Management Consulting Intern, International Venture Capital Firm

. Performed due diligence and evaluation for investment opportunities in

early stage, high-tech companies.

. Prepared and provided investment research reports for prospective

investors on behalf of this international VC firm.

. Built an investment portfolio database and conducted detailed market and

industry analyses.

RAYTHEON SERVICE COMPANY BURLINGTON, MA

May 1997 - Aug. 1997

Summer Intern, Budgets & Planning Department

. Compiled and prepared the monthly financial performance reports and

forecasts for this $1 billion company.

. Evaluated submitted data and developed individual objectives for sales,

profit, assets and other financial measurement metrics. Analyzed the

variances between budget, actual and forecast.

. Consolidated the data and actively involved with the development of the

company's five-year plan.

. Prepared thorough financial analyses including P&L, cash flow, income

statements and balance sheets.

. Processed $4 million of company's capital appropriation requests.

HANGZHOU INSTITUTE OF COMMERCE HANGZHOU, CHINA

July 1987 - Jan. 1993

Librarian

. Normal library duties with exceptional research knowledge.

. Participated in consulting projects by providing business intelligence

and market research information.

EDUCATION

F. W. OLIN GRADUATE SCHOOL OF BUSINESS AT BABSON COLLEGE

WELLESLEY, MA - 1998

Master of Business Administration with honor, Dean's Fellowship

GORDON COLLEGE

WENHAM, MA - 1996

Bachelor of Science in Chemistry, Minors in Mathematics and Economics,

Magna Cum Laude

( Sarah Ball Memorial Award (Highest cumulative GPA in all Science,

Mathematics and Computer Science majors)

HANGZHOU UNIVERSITY

HANGZHOU, CHINA -

1987

A.B in Library and Information Science

CITIGROUP COMMERCIAL CREDIT COLLEGE -Citigroup's global credit training

program MANHATTAN, NY

One of the few graduates who achieved the highest grade level of this best-

in-class program Jul. 2005- Dec. 2005

LEADERSHIP DEVELOPMENT PROGRAM -The Center for Creative Leadership

January 2009

INVESTMENT IN EXCELLENCE -The Pacific Institute

March 2008

COMPUTER Highly proficient with spreadsheet, Microsoft applications and

databases. Experienced in Moody's Financial Analyst, DRM, D&B,

Business Objects, Hyperion Essbase, Comshare BudgetPlus, MAS

500, Infolease, CC2000, Oracle ERP system. Excellent technical

skills.

LANGUAGES Fluent in written and oral Chinese. Fluent in Shanghai,

Mandarin, Hangzhou and Wenzhou dialects.

PERSONAL Member of Association of Chinese-American Finance

Professionals. Enjoy soccer and fishing.

Contact this candidate