WZ

Wen Zhao

Open to opportunities

Risk Analyst at Progressa

Toronto, ON

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Progressa
University of Toronto

About

Experience: Risk Analyst at Progressa (2024–present); Logistics Specialist at New Frontier Global (2023–2023); Product Manager Intern at Minority Programmers Association (2022–2022). Studied Master of Engineering, Industrial Engineering, Data Science at University of Toronto.

Skills

  • Agile
  • Attention to detail
  • Business analysis
  • Communication
  • Data analysis
  • Data visualization
  • Jira
  • Leadership
  • Machine learning
  • Microsoft Excel
  • Microsoft Word
  • Organization
  • PostgreSQL
  • Power BI
  • Problem solving
  • Project management
  • Python
  • Quality assurance
  • Requirements gathering
  • Scrum
  • SQL
  • Tableau
  • Teamwork

Experience

  1. Risk Analyst

    Progressa

    Mar 2024 to Present

    Markham (Remote), Ontario

    • Early Loss Estimation Framework Developed a loss estimation framework combining delinquency signals and vintage-age adjustment factors to evaluate newly launched credit models before actual loss data matured. Achieved approximately 77% predictive accuracy, validated against first-year model performance outcomes. • Portfolio Segmentation and Profitability Analysis Analyzed credit report and portfolio performance data to segment customer profitability and identify optimization opportunities. Identified a high-value subgroup representing ~25% of loan volume with 178% higher profitability than the portfolio average, supporting data-driven policy recommendations beyond loss reduction. • Credit Risk Strategy Optimization Monitored credit portfolio performance and identified unexpectedly high delinquency rates within the highest-rated (AAA) segment. Developed a risk segmentation feature to improve borrower differentiation, supporting a strategy projected to reduce losses by 38% while preserving 92% of origination volume. • Legacy System Logic Review and Process Optimization Reverse-engineered a 7+ year legacy Python script by translating 20+ embedded selection rules into structured business requirements. Partnered with the technology team to identify outdated data streams impacting client targeting logic, resulting in improved system transparency and approximately 50% reduction in script runtime. • Operational Reporting SOP and Validation Framework Designed and standardized a workflow for monthly insurance reporting files by developing SQL queries and cross-system validation logic. Established SOP documentation covering ~80% of recurring processes and trained team members, improving execution consistency and reducing reliance on individual knowledge.

  2. Logistics Specialist

    New Frontier Global

    Jul 2023 to Dec 2023

    Mississauga, Ontario

    • Built automated dashboards and data validation workflows using Google Sheets, Excel, Access Database and SQL query, transforming purchasing and inventory data into actionable insights that supported vendor management, procurement decisions, and budget forecasting.

  3. Product Manager Intern

    Minority Programmers Association

    Jul 2022 to Nov 2022

    Toronto, Ontario

    • Collaborated with cross-functional teams to launch an updated version of GenaDrop with 20+ new features, incorporating 30+ user feedback items from beta testing and coordinating Agile development activities throughout the product release cycle.

Education

  1. University of Toronto

    Master of Engineering, Industrial Engineering, Data Science

    Toronto, Ontario

    2021 to 2023

  2. McMaster University

    Honours Bachelor of Science, Mathematics and Statistics

    Hamilton, Ontario

    2017 to 2021