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Ph.D. in Agricultural Economics and Econometrics from Oklahoma State University, USA, joined American Express in 1994 for 10 years and served as Vice President of Risk Management System Improvement, Vice President of Decision Science, and Vice President of Credit Collection System President, etc. Later, he joined Discover Financial Services and served continuously for 13 years. He served as the Chief Credit Risk Officer of Discovery Credit Card, Senior Vice President of Information Analysis Function, Senior Vice President of Market and Interest Rate Management, Chairman of Credit Card Interest Rate Management Committee, and Vice President of Decision Science He is also the chairman of Gaowo Information Technology (Shanghai) Co., Ltd. In February 2018, he began to provide services for Du Xiaoman as a consultant, and officially joined Du Xiaoman as the chief risk scientist in 2020.