Data-Driven Digital Banking & Customer Analytics Leader

XIN ZHANG

East Setauket, NY 934-***-**** ***.*****.*@**********.*** linkedin.com/in/xin-zhang-5002203a7 PROFESSIONAL SUMMARY

Banking and customer analytics professional with 16+ years of financial-services experience, including five years leading data-driven digital marketing and product initiatives at the head office of a retail bank serving approximately 44 million customers. Experienced in translating business problems into data requirements, customer segmentation, funnel and cohort analysis, controlled campaign measurement, data-quality validation, and dashboard reporting. Pursuing an M.S. in Decision Analytics; passed the CFA Level II and FRM Part I exams. TECHNICAL & ANALYTICAL SKILLS

Analytics: SQL, Python (pandas), R, Excel/VBA; data cleaning, data validation, segmentation, A/B testing, regression, classification BI & Reporting: Tableau, Power BI, KPI dashboards, funnel and cohort analysis, campaign measurement, data storytelling Business: Customer analytics, marketing analytics, customer retention, CRM/lifecycle marketing, consumer banking, requirements gathering, cross-functional delivery

PROFESSIONAL EXPERIENCE

China Guangfa Bank (CGB), Head Office Online Marketing Product Manager Dec 2020 – Aug 2025 Retail Finance Department Guangzhou, China

• Partnered with the data analytics team on SQL-assisted cohort analysis of monthly asset-tier downgrades by product holdings, cash-flow timing, and external- transfer patterns; identified approximately 200K customers with recurring inflows for a digital retention campaign that drew 10K participants, whose next- month downgrade rate was 15% lower than the comparison group.

• Designed a full-funnel asset-growth campaign and automated voucher workflow that generated 90K+ registrations and 35K+ qualified participants—5x and 7x prior-period levels—while reducing customer complaints by approximately 50%.

• Conducted controlled channel analysis across exposure, click, registration, and qualification stages; applied behavioral insights to creative and placement decisions, increasing click-through rate by 30% and qualification conversion by 15%.

• Developed customer segments using payroll inflows, balance trends, and transaction behavior; launched two lifecycle touchpoints associated with approximately $2M in retained deposits within 30 days. Bank of Guangzhou Wealth Manager May 2017 – Nov 2020 Guangzhou, China

• Analyzed transfers, balances, repayment patterns, and product holdings to identify cross-sell opportunities, attracting approximately $690K in competitor deposits and generating $414K in wealth-product sales.

• Analyzed a 300-client portfolio for repayment milestones and upgrade eligibility, generating $1.17M in loan sales and five new Platinum card clients within three months.

Earlier Financial Services Experience Investment Consultant / Wealth & Relationship Manager Jul 2009 – Apr 2017

• Used CRM segmentation and transaction behavior to develop high-value customer opportunities; advised 50+ HNW clients and acquired 300+ small-business merchant accounts, ranking first in the branch.

SELECTED ANALYTICS PROJECTS

Enterprise Fraud Detection Analysis — Stony Brook University Analyzed 200K simulated transactions with 37 behavioral, geolocation, account, and merchant-risk features; compared a pruned decision tree with three multilayer perceptrons. The tree achieved 99% precision, 95% recall, and a 97% F1-score. CAPM and Black-Litterman Portfolio Allocation — Stony Brook University Compared four allocation methods across eight U.S. sector ETFs using 2018–2025 monthly data; estimated sector betas through time-series regression and applied practical allocation constraints.

EDUCATION

Stony Brook University M.S. in Decision Analytics, GPA: 3.74 Expected Dec 2026 Relevant coursework: Data Mining, Database Management, Statistics for Analytics, Business Analytics, Data Analysis for Finance, Risk and Uncertainty Analysis, and Data Visualization & Storytelling

Renmin University of China — Master's in Political Economics, 2009 Southwest University of Political Science and Law — Bachelor's in International Economics and Trade, 2007

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