Yinghua Liu
About Yinghua Liu
Yinghua Liu serves as the Director at Oportun, where he has worked since 2020, focusing on fair lending analysis. He previously held the position of Data Scientist Manager at Capital One for nine years and has advanced academic qualifications in Sociology and Business Administration.
Work at Oportun
Yinghua Liu has served as Director at Oportun since 2020, contributing to the company's efforts in fair lending analysis. Based in San Carlos, California, Liu has implemented a race proxy method that utilizes surnames and addresses to enhance the analysis of fair lending practices. In this role, Liu collaborates closely with business leaders and legal experts to identify and mitigate potential fair lending risks. Liu also provides data analysis support for audit and exam-related efforts, ensuring compliance with regulatory standards.
Previous Experience at Capital One
Prior to joining Oportun, Yinghua Liu worked at Capital One as a Data Scientist Manager from 2011 to 2020. During this nine-year tenure in McLean, Virginia, Liu led initiatives that focused on data-driven decision-making and risk assessment. Liu's experience at Capital One equipped him with the skills necessary to analyze complex data sets and contribute to the company's strategic objectives in the financial sector.
Education and Expertise
Yinghua Liu holds a Master of Business Administration (MBA) from New York University, where he studied Business Administration and Management from 2007 to 2009. Additionally, Liu earned a Doctor of Philosophy (PhD) in Sociology from Renmin University of China, completing the program from 2001 to 2006. This educational background provides Liu with a strong foundation in both business and social sciences, enhancing his analytical capabilities in the field of fair lending.
Fair Lending Risk Assessment
In his current role at Oportun, Yinghua Liu leads projects that assess fair lending risks across various business areas, including indirect auto lending and small business lending. Liu presents complex statistical concepts and analysis results to regulators and senior management, ensuring that the organization remains informed about potential risks. His work is pivotal in fostering a culture of compliance and accountability within the organization.