Dr. David MA  (PHD, Yale University)

  • Co-founder and Chief Risk Officer, RTL Limited
  • Co-Founder & Advisor of Elite FinTech Startups in China
  • Former Head of Data Science, AIG, AIA, Citi Group and Bank of America
  • PHD, Yale University, USA

  • An internationally experienced leader with over 20+ years of experiences and proven track record in data analytics, intelligent decisioning, data-driven risk management and marketing;
  • Proven track record of attracting, coaching, retaining talents, and directly managing multi-site teams including region, country and off-shore;
  • Due diligence assessment of 10+ international merger and acquisition transactions, responsible for analyzing customer data tapes, forecasting credit losses, quantifying CRM/x-sell and revenue opportunities;
  • Direct China business development experiences in consumer finance start-ups and internet financing start-ups, setting up risk/underwriting team, establishing credit policy, negotiating terms with banking partners.

Specialities: Data Mining • Statistical Modeling • Risk and Marketing Analytics • Credit Risk • Consumer Database Marketing • CRM • Marketing Test Design and Analysis • Optimization • Product Sequencing • Consumer Banking Products • Insurance Products • Strategic Planning • M&A Dual Diligence • Analytics Infrastructure • Data Warehousing • Campaign Management System • Offshore Development • China Business Start-ups

Training Expertise: Lending and Alternate Financing