Functional Skills
Business Analysis
Business Intelligence
Financial Modeling
Data Strategy
Data Visualization / Reports
Data Governance
Data Management
Risk Management
Valuation
Pricing Strategy
Strategic Planning
Quantitative Research
Warehouse Management
Project Management
Data Modeling
Software Skills
SQL
SAS
Microsoft Excel
Tableau
Dynamics 365
Certifications
CFAChartered Financial Analyst
Sector Experience
Consumer Goods
Financial Services
Healthcare
Life Sciences & Pharma
Real Estate
Languages
English
Cantonese
Experience
ACRA LENDING
Finance
Vice President of Financial Planning and Analysis
3/2020 - Present
Partner with Private Equity owners to lead financial planning, business intelligence, and strategic analysis for a $5 billion annual originations company, with a focus on liquidity, profitability, and sale readiness.
● • Work closely with PE firms in development of Weekly performance measures, long term (5plus years) growth plans, liquidity management and variance analysis
• Oversee strategic financial planning and modeling across business units; Serve as a strategic partner to the CEO, COO, and board of directors on financial matters
• Provide leadership in new implementations of technology. Create and develop new performance measurements to monitor employee workload and key indexes.
• Streamline and integrate LOS system and servicing data to monitor portfolio performance, provide analysis and feedback to pricing.
• Established operation dashboard using Microsoft PowerBI, data warehouse for both management and operation executives.
• Create and maintain monthly investment review deck, provide insights and proactively bring attention to potential risks due to company directions and initiatives
● • Work closely with PE firms in development of Weekly performance measures, long term (5plus years) growth plans, liquidity management and variance analysis
• Oversee strategic financial planning and modeling across business units; Serve as a strategic partner to the CEO, COO, and board of directors on financial matters
• Provide leadership in new implementations of technology. Create and develop new performance measurements to monitor employee workload and key indexes.
• Streamline and integrate LOS system and servicing data to monitor portfolio performance, provide analysis and feedback to pricing.
• Established operation dashboard using Microsoft PowerBI, data warehouse for both management and operation executives.
• Create and maintain monthly investment review deck, provide insights and proactively bring attention to potential risks due to company directions and initiatives
loanDepot
Finance
Director of Financial Planning and Analysis
1/2019 - 3/2020
Serve as the Financial Business Partner for the largest channel direct lending. Focus on mission critical components such as loan origination conversion, products pricing, sales agent efficiency management, fulfillment management and enterprise level economics. Provide financial analysis, design, data analytics and project management experience to the 1
● 1B mortgage company.
● • Lead daily, weekly and monthly KPI analysis with channel leaders;
• Serve as point person in channel development and efficiency; Provide insights on scenario strategy playbook for different economic conditions.
• Manage channel analysts to provide adequate reporting and analysis supports;
• Apply data analytics in the area of marketing leads conversion, review logistic regression model on credit score, loan amount, property state and lead channels;
• Provide evaluation of current fair value practice for mortgage pipeline;
• Implement critical changes to re-align sales team compensation structure and products alignment to complement company profitability;
• Streamlined and documented compensation process to improve efficiency in incentive calculations; and
• Provide suggestions and analytics in Mortgage Revenue leakage, including marketing conditions, price exceptions, conversion rate and direct origination expense.
● 1B mortgage company.
● • Lead daily, weekly and monthly KPI analysis with channel leaders;
• Serve as point person in channel development and efficiency; Provide insights on scenario strategy playbook for different economic conditions.
• Manage channel analysts to provide adequate reporting and analysis supports;
• Apply data analytics in the area of marketing leads conversion, review logistic regression model on credit score, loan amount, property state and lead channels;
• Provide evaluation of current fair value practice for mortgage pipeline;
• Implement critical changes to re-align sales team compensation structure and products alignment to complement company profitability;
• Streamlined and documented compensation process to improve efficiency in incentive calculations; and
• Provide suggestions and analytics in Mortgage Revenue leakage, including marketing conditions, price exceptions, conversion rate and direct origination expense.
Landsea Homes
Management Consulting
Consultant
11/2018 - 1/2019
Served as a consultant in assisting LANDSEA homes finance team to bring Dynamics 365 reporting capabilities online. Client is a subsidiary of a publicly traded (Hong Kong) homebuilder with over $200 mm in revenue and have building sites across United States.
● • Developed mission critical operations and financial reports. Suggested best practices in report buildings, presentations, and usages. Audited and helped correct system migration errors.
• Completed and extended the capabilities to allow accounting and FP&A departments to source accurate, integrated data. Eliminated manual steps to produce monthly Board of Director presentation. Allowed both local and oversea departments to use live, accurate and interactive business metrics reports.
● • Developed mission critical operations and financial reports. Suggested best practices in report buildings, presentations, and usages. Audited and helped correct system migration errors.
• Completed and extended the capabilities to allow accounting and FP&A departments to source accurate, integrated data. Eliminated manual steps to produce monthly Board of Director presentation. Allowed both local and oversea departments to use live, accurate and interactive business metrics reports.
American Advisors Group
Finance
Director of Financial Planning and Analysis
3/2014 - 9/2018
products, valuation, risk and analysis.
● • Oversaw the financial reporting and managed the development of forecasting and modeling tools for a $280mm revenue HECM business. Provided loan product analysis and pipeline value estimations;
• Worked with PE firms (FFL partners) in conjunctions to develop management Dashboard KPI, business initiative analysis on a week-to week basis. As well as mission critical transactions materials including confidential information memorandum (CIM).
• Provided leadership in $60mm marketing research and analytics budget (TV, PPC, Web Affiliate & Mail). Explored customer attributes and provided insight of potential niche market for proprietary product development;
• Coordinated Five-Year forecast analysis and reporting, Yearly and Quarterly operating budget, and KPI discussions with management;
• Managed the implementation of new accounting standards and interfaced with corporate leadership in order to resolve technical accounting issues. Supported Accounting in designing GL account, P&L report format, cost accounting and corporate allocations; and,
• Spearheaded Business Intelligence initiative and data integrations.
● • Oversaw the financial reporting and managed the development of forecasting and modeling tools for a $280mm revenue HECM business. Provided loan product analysis and pipeline value estimations;
• Worked with PE firms (FFL partners) in conjunctions to develop management Dashboard KPI, business initiative analysis on a week-to week basis. As well as mission critical transactions materials including confidential information memorandum (CIM).
• Provided leadership in $60mm marketing research and analytics budget (TV, PPC, Web Affiliate & Mail). Explored customer attributes and provided insight of potential niche market for proprietary product development;
• Coordinated Five-Year forecast analysis and reporting, Yearly and Quarterly operating budget, and KPI discussions with management;
• Managed the implementation of new accounting standards and interfaced with corporate leadership in order to resolve technical accounting issues. Supported Accounting in designing GL account, P&L report format, cost accounting and corporate allocations; and,
• Spearheaded Business Intelligence initiative and data integrations.
CashCall, Inc.
Finance
Director
1/2005 - 3/2014
10 years of credit risk and financial experience in high risk/high interest consumer lending. Provided expertise and understanding in developing business intelligence, data science, credit, prepayment and financial risk for consumer lending.
● Treasury
• Provided prepayments/ default analytics, vintage analysis, peer analysis, decision supports, portfolio analysis and forecast estimates for various treasury functions;
• Oversaw and maintained internal valuation and forecast models (MSR Modeling, Fair Market Value, Production Forecast, Financial Forecast, etc.) for a $600 million of high yield (70% per annum interest rate) portfolio from three different facilities; and
• Assisted in managing relationships with consumer loan investors with $700 million of debt facilities.
● Risk / Business Intelligence
• Managed investment analysis, portfolio risk assessment, score card development, application decision optimization, placement profitability analysis, and financial modeling;
• Managed consumer loans default and prepayment risk and provided credit policy changes recommendation; and
• Provided leadership in development of companywide business reporting, data warehouse and analytics implementation.
● Treasury
• Provided prepayments/ default analytics, vintage analysis, peer analysis, decision supports, portfolio analysis and forecast estimates for various treasury functions;
• Oversaw and maintained internal valuation and forecast models (MSR Modeling, Fair Market Value, Production Forecast, Financial Forecast, etc.) for a $600 million of high yield (70% per annum interest rate) portfolio from three different facilities; and
• Assisted in managing relationships with consumer loan investors with $700 million of debt facilities.
● Risk / Business Intelligence
• Managed investment analysis, portfolio risk assessment, score card development, application decision optimization, placement profitability analysis, and financial modeling;
• Managed consumer loans default and prepayment risk and provided credit policy changes recommendation; and
• Provided leadership in development of companywide business reporting, data warehouse and analytics implementation.