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Mr. Jay Wenjie Xiao is our founder, chairman, and chief executive officer. Mr. Xiao has over 10 years of experience in the online finance industry. Prior to founding our company, Mr. Xiao served as product manager in the infrastructure platform department of Tenpay, a leading online payment platform in China owned by Tencent, and was responsible for product development and operations. Mr. Xiao is also serving as an independent director of So-Young International Inc (NASDAQ: SY), a company operating in opaque medical aesthetics market in China. Mr. Xiao received his bachelor's degree in design from Nanchang Hangkong University in 2005.