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Chao Xu is currently serving as the Director Data Science at Equabli, Inc, a fintech company focused on debt management. Previously, Chao held various roles at Midland Credit Management, an Encore Capital Group Company, including Senior Manager Statistical Analysis, Manager Statistical Analysis, Senior Statistician, Statistical Analyst, Operations Analyst, and Senior Operations Analyst. Chao has a MS in Mathematics and Statistics from UC San Diego and a BS in Statistics from Sun Yat-sen University.