Jinhua Zhou
About Jinhua Zhou
Jinhua Zhou serves as a Senior Director at Oportun, where he has worked since 2015, focusing on consumer lending and credit risk management. He holds a Ph.D. in Materials Science from the University of Michigan and a Bachelor's degree from Shanghai Jiao Tong University.
Work at Oportun
Jinhua Zhou has served as Sr. Director at Oportun since 2015, contributing to the company's initiatives in consumer lending. With nearly a decade of experience in this role, Zhou focuses on credit risk management and product/pricing strategies. His expertise in consumer credit risk and attrition risk management has been instrumental in shaping Oportun's approach to customer segmentation and valuation modeling. Zhou's role also involves optimizing processes to align with business objectives, enhancing operational efficiency within the organization.
Education and Expertise
Jinhua Zhou earned a Bachelor’s degree in Materials Science and Computer Science from Shanghai Jiao Tong University, where he studied from 1997 to 2001. He further advanced his education by obtaining a Ph.D. in Materials Science from the University of Michigan, completing his studies from 2001 to 2009. Zhou's academic background provides a strong foundation for his expertise in consumer lending, particularly in credit risk management and product strategies.
Background
Before joining Oportun, Jinhua Zhou worked at Capital One as a Sr. Associate in Card Acquisition from 2007 to 2008. This role contributed to his decade-long experience in consumer lending, where he developed skills in credit risk management and product/pricing strategies. Zhou's career trajectory reflects a consistent focus on enhancing customer experiences through effective risk management and strategic decision-making.
Achievements
Jinhua Zhou is recognized for his expert knowledge in consumer credit risk and attrition risk management. His specialization in customer segmentation and valuation modeling has positioned him as a key contributor in his field. Zhou is also noted for his ability to influence stakeholders and communicate complex ideas effectively, particularly through the use of PowerPoint presentations. His hands-on experience in process optimization further supports his contributions to business objectives.