Product Development Management

Juan Zhang

***** ******* ***

Alpharetta, GA **005

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

Work phone: 770-***-****

Cell Phone: 678-***-****

Summary of qualifications:

Master degree in Economics

MBA General Business

Bachelor degree in Finance

7+ years of experiences in Product Management & Product Development group with

major U.S. Property & Casualty Insurance Companies.

3 years of Financial management experiences with Chinese Commercial Bank.

CFA level III candidate

Advanced level on Excel, Access, SQL, Lotus 1-2-3

WORK EXPERIENCE

3/2005 - present

AIG Personal Auto Group

Senior Analyst, Product Development & Actuarial

Develops analyses, models, and reports to ensure profitability of company's

automobile, motorcycle and commercial vehicle products. Evaluates and assists in

implementation of rate levels to achieve target profitability goals. Analyzes

the effect of proposed rate plans to current policyholders and evaluates product

competitiveness through comparison with key competitors.

Coordinates with the Product Management Team to standardize product

implementation to achieve uniformity and consistency across states and product

lines. Using SQL and SAS (in Pretium), analyzes data such as business mix, loss

ratios, and volume growth at a countrywide, region, state and/or market segment

levels and ensures data integrity. Reviews month-end data such as quotes, sales,

conversion, etc. and compiles finding into monthly reports.

Monitors metrics such as marketing activity, loss experience, customer retention

and results by segments.

9/2001 - 3/2005

Progressive Insurance

Product Analyst, Agency Marketing

Was responsible for monitoring, auditing, and analyzing the performance of the

four states (AL, FL, LA, MS) Agency Auto products. Analyzed premium and loss

data, identified Frequency/ Severity trends, and made recommendations regarding

the product development, pricing, and marketing processes. Actively participated

in the business strategy planning and rate revisions. Performed market research

of primary competitors rate levels and prepared regular reports, including New

Apps, Quotes, Conversion, Retention (Policy Life Expectancy data),and Premium

Loss Report (LRC, CARY, etc.).

7/1995 - 8/1998

China Merchants Bank, Beijing branch

Vice director, International Banking Department

Was responsible for providing the monthly, quarterly and year-end Balance Sheet,

Income Statement and Balance of Payments Statistics for foreign exchange

transactions. Provided asset/liability analysis and international business

operations reports. Was responsible for providing the credit risk analysis for

foreign currency lending, including the credit limit pricing for Standby Letter

of Credit, commercial loan and Inter-bank borrowing and lending.

EDUCATION

08/1999-08/2001

Master degree in Economics (GPA 3.9/4.0)

The University of Memphis

08/1998-08/1999

MBA in General Business (GPA 3.9/4.0)

Texas A&M University-Kingsville

09/1991-07/1995

B.A. in Finance

China Institute of Finance and Banking

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