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Daniel Xu is a business manager at Koalafi, where responsibilities include serving as the primary credit analyst for the personal loans business and implementing policies that resulted in a 20% risk reduction and a 40% increase in yields. Prior experience includes roles as a senior business analyst and business analyst at Capital One, focusing on credit analytics and customer onboarding experiences, respectively. Earlier experience includes a technology analyst internship at PIMCO and research at the University of Virginia, where novel software was developed to aid military UAV operators against cyberattacks. Daniel Xu holds a Bachelor of Science in Systems Engineering from the University of Virginia.