California State University, Fullerton Jan. 2018 to Dec. 2019 Master of Arts in Economics
Certification & Leadership: CFA Level I, VP of CSUF Economics Association
Coursework: Financial Economics, Derivatives Markets, Banking, Economic Forecasting, Mathematical Economics, Advanced Microeconomic/Macroeconomic Analysis, Econometrics, Law and Economics, Statistics and Probability Hainan University Sept. 2011 to June 2013
Master of Arts in Language Interpretation and Translation Changsha University of Science and Technology Sept. 2007 to June 2011 Bachelor of Arts in English Language and Literature PROFESSIONAL EXPERIENCE
DDBILL Technology Inc. Sept. 2016 to Nov. 2018
Financial Analyst Los Angeles, CA
DDBill Technology is a financial service company focused on cross-border payment technology with offices in the United States, the Netherlands, Malaysia, Hong Kong, Australia and Singapore.
Financial Analysis – Month-end reporting and analysis of financial performance metrics including activity-based cost, CAC, WACC, and ROI across business initiatives with PivotChart, PivotTable, DAX, Power View, and Macros. Improved operational efficiency of the company’s finance system by 12% through the implementation of streamlined data management procedures.
Operational Budgeting – Built long-term and short-term planning models using both top-down and bottom-up approaches. Communicated with stakeholders about the EBIT, net income, OM, OP, ROIC, and relevant financial ratios. Created visualized quarterly and annual planning and budgeting dashboard for all departments of the organization using Power BI.
Revenue Forecasting – Explored unique growth opportunities and cost efficiencies for all current and potential sales channels. Established a new forecasting system using stress testing and DCF method with a 15% increase in accuracy.
Project Selection – Evaluated the risk and profitability of potential projects using NPV, MIRR, and PBP calculation.
Financial Compliance – Reviewed proposals to ensure the compliance with financial technology (“Fintech”) regulations defined by US regulatory bodies including the SEC and the CFPB.
Data Analysis – Ran SQL queries from the companies database to pull information about clients and conducted quantitative analysis on the benefits of cross-border payment solutions to demonstrate to clients that the payment solutions boost business growth (linear regression, panel data, time series, k-mean clustering, and limited dependent variable models). GMT Standard Inc. April 2014 to Aug. 2016
Financial Analyst Los Angeles, CA
GMT Standard is a consumer products trading company serving global clients.
Financial Statement Analysis – Worked closely with accounting team to prepare the income statement, balance sheet, and cash flow statement to help senior management understand the capital schedule, financial position, and areas of potential risk. Honed advanced Excel skills including VBA, PivotTable, Vlookup, SumIf, Match, Iferror, etc. Improved the month-end procedures by developing an Excel model which automated the inventory accounting.
Pricing Analysis – Conducted cost-volume-profit analysis, and proposed pricing adjustment based on CAGR, expected inflation, seasonal effect, and COGS to increase the contribution margin and operating margin. Performed price research and interviewed suppliers from the US and internationally to get competitive quotes. Generated reports to support our position in negotiating product pricing with customers and suppliers, leading to improved gross margins.
Sales Growth – Assisted with landing new wholesale accounts and grew accounts over time to gain repeat business. SKILLS & LANGUAGES
Financial: Corporate finance, financial statements, accounting, portfolio analysis, fixed income, alternative investments Computer: Power BI, Stata, R, Advanced Excel, Word, PowerPoint, Access, EViews, Tableau, FactSet, Python, SQL Languages: Native speaker of English and Mandarin
Activities: Honolulu Sister Cities Student Ambassador Program, VP of CSUF Economics Association CHELSEA LIU