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John Zhou is a seasoned data scientist currently serving as a Staff Data Scientist at Earnin since March 2021. Prior to this role, John was employed at PrivCo as a Data Scientist from January 2019 to March 2021, and held a short-term position as an NLP Researcher Contractor at Fidelity Investments, where a personalized compliance news recommendation system was developed. Additional experience includes a tenure as a Quantitative Research Contractor at State Street and a Research Assistant at Brandeis University, contributing to the National Initiative on Gender, Culture & Leadership in Medicine. John began the professional journey as a Market Research Intern at Prudential Hong Kong. Academic credentials encompass a Master's degree in International Economy and Finance and a Master of Science in Business Analytics from Brandeis University, alongside a Bachelor of Science in Finance from Nanjing University of Aeronautics and Astronautics and a brief study at The London School of Economics and Political Science.