SQL, Python, R, Advanced Excel (Pivot, Macro), Tableau, Power BI

Zhaolin (Emma) Liu

New York, NY ***** 646-***-**** *************@*****.***

EDUCATION

Columbia University New York, NY

M.S. in Enterprise Risk Management Sep 2024-Dec 2025 Core Courses: Financial Risk Mgmt., Quantitative Risk Modeling, Strategic Risk Mgmt., Market Risk Mgmt., Credit Risk Mgmt., Traditional ERM practice, External Stakeholder, ERM Modeling, Strategic Communication for Risk Professionals Monash University, Monash Business School Melbourne, AUS Bachelor of Commerce in Finance with (Minor in Economics) Mar 2020 - Dec 2023 Core Courses: Financial Accounting, Microeconomics, Statistics, Econometrics, Corporate Finance, Derivatives, Property Investment INTERNSHIP EXPERIENCE

Accenture Remote

Strategic Consulting Intern May 2023 - Sep 2023

Led a comprehensive market analysis on the Passenger Car Radial (PCR) tire industry in 2022, synthesizing key insights and trends to inform client strategy

Conducted thorough research on non-tire rubber markets, identifying high-growth segments and evaluating market size, opportunities, and emerging trends, ensuring data-driven recommendations; Utilized advanced analytical tools and frameworks to assess market dynamics and competitive landscape, including SWOT analysis and Porter’s Five Forces

Delivered a high-impact presentation to Sinochem's leadership, providing actionable strategies for improving market positioning, optimizing marketing efforts, and expanding product offerings; Provided ongoing recommendations to support clients in aligning product development and marketing initiatives with key market trends PROFESSIONAL PROJECTS

Market Risk Analysis, Advised by VP from Goldman Sachs Mar 2025 - Apr 2025

Conducted risk assessment analysis of trading portfolios, identifying high-risk positions and providing targeted risk mitigation recommendations, including high-risk position termination and enhanced hedging strategies

Analyzed and assessed risks across multiple asset classes, including credit, rates, equities (stock), commodities, FX, and options; Monitored risk limit utilization across various asset classes and offered strategic recommendations on trading limits

Performed detailed risk exposure analysis to assess the impact of market fluctuations on the portfolio, identifying interest rate risk, FX risk, equity price risk, commodity price risk, country risk, market volatility, and correlation

Gained in-depth understanding of PnL drivers for the trading portfolio and provided detailed commentary on portfolio risk and performance, including a thorough analysis of the 99% VaR

Designed and executed stress testing scenarios, simulating extreme market conditions, and articulated the results to inform decision- making and strategic adjustments, helping to refine overall risk strategy and improve portfolio resilience Credit Risk Analysis - Corporate Finance, Advised by VP from Goldman Sachs Feb 2025 - Mar 2025

Conducted financial analysis and credit risk assessments of corporation to evaluate creditworthiness, identify credit risk, and determine borrowing capacity, cash flow, capitalization, and collateral value; Analyzed key financial indicators, including credit scores, income levels, and debt-to-income ratios, to estimate client default rates; Made data-driven decisions on underwriting terms and interest rate charges to minimize risk and maximize revenue

Leveraged market analysis and industry insights to guide informed underwriting decisions for corporate client financing requests; Prepared credit proposals, including financial spreads and risk mitigation strategies, to support and justify credit decisions

Conducted periodic inspections of corporate businesses to audit financial activities, ensuring compliance with loan agreements; Performed routine financial analyses and credit investigations, to address deficiencies and mitigate potential risks Portfolio Management - Asset Management Jun 2022-Aug 2022

Assisted in portfolio construction across asset classes and built portfolios with expertise to determine optimal instruments to trade based on client-specific, regulatory, and market-related risk and considerations; Managed a portfolio of interest rates, credit, and equity instruments by established trading and risk parameters, proving successful strategies with high Sharpe Ratios

Oversee daily fund operations and P&L, including preparing fund performance reports and P&L commentary, and providing financial and investment updates

Identified ongoing and emerging market risks and associated impacts to existing portfolios, measured portfolio risk metrics, and performed sensitivity analysis based on DV01, SDV01, Beta, Volatility, and option Greeks

Conducted research on strategies for best-performing funds in the market; Identified potential investment opportunities aligned with portfolio objectives, provided regular performance updates to management, and implemented strategies achieving high Sharpe Ratios

Closely followed global markets & macro. Conducted quantitative and qualitative analysis to assess opportunities and key risks for various hedge fund strategies over time to help inform portfolio management decisions

Analyzed permissible portfolios under prescribed constraints using Markowitz and Index models; Explored the Fisher Model, including the separation of investment and consumption decisions, and performed PV calculations to evaluate investment criteria SKILLS

Programming: SQL, Python, R, Advanced Excel (Pivot, Macro), Tableau, Power BI

Technical Skills: Risk Modeling, Risk Mgmt., Financial Analysis, Financial Modeling, Quantitative Portfolio Mgmt.

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