Yuhao Liu

Led enterprise and operational risk management across APAC markets, partnering with the Global CRO to embed group ERM and control assurance frameworks. Oversaw credit and fraud risk operations • Developed and deployed fraud detection and credit underwriting logic using statistical models and machine learning techniques, maintaining minimal loss rates over consecutive years. • Oversaw regional risk operations, including underwriting, transaction monitoring, suspicious activity reporting, collections, periodic credit review, and partner risk governance. • Enhanced operational risk management framework and incident response governance. • Provided risk advisory to enterprise clients including Citibank, National Australia Bank, and Shangri-La Group, balancing commercial growth with prudent risk management. • Partnered with global policy teams to ensure APAC alignment with audit, regulatory, and enterprise standards. • Acted as the regional escalation authority for high-impact incidents and emerging risks, driving timely remediation and governance reporting.

Established enterprise-wide credit and operational risk governance for fast-scaling consumer business, serving over 5 million clients • Designed proprietary decision engine integrating ML models for instant credit decisioning. • Developed anti-fraud face recognition and authentication algorithms and ML-based credit scoring. • Established collections and risk monitoring systems, improving recovery rates in early delinquency. • Present portfolio performance and business strategy insights to board and investors.

Pre/Post-Sales Consulting Services in Risk and Analytics for financial institutions

Led corporate and SME credit risk management for Singapore and regional markets, overseeing underwriting, collections, and portfolio analytics. Drove the evolution of digital and data-led risk strategies across APAC. • Built and implemented data-driven underwriting and authorization models, improving approval accuracy and portfolio loss performance. • Introduced machine learning–based transaction monitoring across proprietary and partners portfolio • Spearheaded regional digital risk and product innovation, establishing center of excellence for partner banks.

Marketing Analytics in Cards and Unsecured Lending

Web Analytics and Business Reporting

Mobile Network Planning & Optimization

Exchange Program