James Cao

An expert with subprime/prime lending, credit risk and fraud risk analytics, pricing and machine learning modeling, across different lending spaces in credit card, unsecured loan and secured loan POS financing. Proven record of driving business growth through innovation in credit program and use of ML modeling tools. Currently, VP of Credit for Octane Lending, one of fastest growing fintech firms in New York, responsible for firmwide credit program and underwriting strategy/analytics. Previously, held executive/leadership roles in credit and product advance analytics in world largest banks JP Morgan Chase, Citibank, HSBC and a leading non prime lender Credit One Bank. Have two master degrees - one in finance and another in MBA.