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Lu Zhao serves as a Senior Risk Manager at SeaMoney since April 2018, leading the credit risk management team and supporting the growth of consumer and cash loan businesses in Southeast Asian and LATAM markets. Previously, Lu was a Senior Risk Analytics Specialist at FinUp, focusing on lending business launches and financial product design, and worked at Oracle Retail as a Business Technology Consultant, facilitating client communication and system integration solutions. Lu holds a Bachelor of Arts in Applied Mathematics from the University of California, Berkeley. Early career experiences include roles at Gallup and Frost & Sullivan, where collaboration and market research were key responsibilities.