Kevin Hou

Spearhead new data capabilities, including video analytics, content ROI, audience & propensity modeling for paid social and paid search, and SEO rankings prediction For the auto, home and life insurance business that partners with bidding platforms and direct insurers, establish its data foundation and transform it into a data-driven business model Lead the data function (data science, data analytics and data engineering) of digital marketing for banking business, covering financial products including mortgage, deposits, personal loans and home equity loans etc.

Build the best-in-class marketing technology and data platforms for the credit card business at Capital One. Committed to bring personalized experiences and products to customers, through combining human intuitions and analytics driven by data, technology and AI In charge of i) modernization of data platform; ii) roadmaps to enable both immediate, highly critical business initiatives and future state architecture/eco-system; iii) Data Center of Excellence to bring the best practices into data anomaly detection, data pipeline status monitoring, data visualization, data insights discovery, and machine learning ready big data; iv) improvements of data users’ productivity and experience

- Lead the department’s innovation agenda, including applying machine learning for predictive modeling and exploring alternative data sources for market signals - Apply speech-to-text, sentiment analysis and topic mining etc. for business intelligence - Lead cross-functional team (data science, data engineering and technology) for production model development and deployment in AWS, using various cutting-edge tools/techniques, such PySpark, Tensorflow, Snowflake, Amazon S3, Amazon EMR, Amazon EC2 etc. - Spearhead neural network/deep learning approach as prepay behavior modeling and risk management tools - Lead the research of how to interpret machine learning models’ predictions through error analysis, sensitivity analysis, PDP, ICE, SHAP etc. - Evaluated various acquisition opportunities for the bank - In charge of prepayment behavior modeling for the bank's $60+ billion mortgage-backed securities (MBS) - Implemented proprietary ($200 billion) deposit behavior models using C++ in QRM, the bank's overarching ALM platform - Leapfrogged the bank's market risk economic capital approach and framework - Developed an innovative strategy and framework to optimize the bank’s $300 billion balance sheet for the best risk-adjusted long-term net interest income - Spearheaded industry-data supported auto rate projections for the bank's $30 billion auto loan book, used in annual budgeting and stress testing (CCAR and DFAST) alike

Provided advisory/consulting services in connections with cross-border business development, M&A, investments and fund raising. - Sourced various natural resources and commodities (coal, precious metals, basic chemicals) to China from America - Facilitated a couple of public listed companies in America in the search for capital and strategic investors from Asia

Advisory in connections with valuation, risk management, private investments, M&A, financial restructuring

- Financial engineering and capital market analytics (mortgage backed securities, interest rate derivatives, debt) in support of the company's trading, accounting, risk management and portfolio management. - Over the 5+ years, played a wide range of roles including modeling, model testing, analysis, end-to-end (backend: models & database -> middle tier: XML -> front-end: web-based user interface) analytics system development using C++, SQL, Java and JavaScript