Yeh Joyce

Background

About Yeh Joyce

Core capabilityConsumer Lending & Credit risk management 1.Consumer lending both for onshore and offshore is my profession. 2.With 20 years of end to end expertise in consumer lending business and more than 6 years of leader experience. I have been adept at strategy planning, product design, sales channel implementation, risk management and credit policy revision. Below were major achievements for reference.(1)Key man for consumer lending, includes unsecured loan and mortgage, was responsible for lending portfolio management and profit, contributed net profit NT$2 billion annual.(2)Initial and implement digital lending application process, enhanced customer experience for applying unsecured loan by launched UX project.(3)TMR marketing strategy, improved the leads conversion rate by implement customer response model and marketing campaign, the overall conversion rate exceeds 1% per year.(4)Redesigned the mortgage product strategy, focused on customer centric product journey with digital application, payment and retention policy.(5)Nominated to attend strategy projects on following subjects -Customer management: customer segmentation as whole bank perceptive and retention policy for lending products-Review profit model: RAROC and customer lifetime value re-evaluation-Business opportunities for emergent market: business opportunity evaluation for Cambodia and Indonesia-SME Business design and implement with Mckinsey-Cross subsidiaries alignment: customer single view as financial holding co, Asset securitization evaluation projects.