Vita Law

Senior Portfolio Strategy and Analytics professional

Vancouver, Metro Vancouver Regional DistrictMember since February 18, 2026

Pricing Strategy & Profitability AnalysisSQLSASTableauExcel

About

Senior Portfolio Strategy and Analytics professional with 15+ years of experience in credit cards and unsecured lending across global financial institutions. Strong expertise in portfolio risk management, pricing strategy, profitability analysis, and performance monitoring. Proven ability to translate data into actionable insights, support executive decision-making, and drive business growth. Advanced technical skills in SQL, SAS, Tableau, and Excel.

Experience

Online Data Analyst (Freelance) - TELUS Digital - Vancouver BC

(2026-01)

Perform data validation, analysis, and quality assessment to improve model performance and data integrity
Identify data inconsistencies and recommend improvements to enhance performance outcomes

Cards Advisor - TEK System - Vancouver

(2025-08 - 2025-09)

Supported credit card customer inquiries
Ensured compliance with credit policies, KYC, and risk frameworks
Delivered efficient resolutions in a high-volume, fast-paced environment

Client Care Representative - TELUS - Vancouver

(2025-06 - 2025-08)

Delivered customer support and identified cross-sell and engagement opportunities
Strengthened customer relationships through effective communication and problem-solving

VP, Product & Portfolio Management, Card Business - OCBC Bank - Hong Kong

(2020-06 - 2023-03)

Led portfolio strategy, pricing, and risk analysis for credit card business
Monitored portfolio performance, profitability, and risk metrics, providing insights to senior management
Developed and evaluated pricing and credit strategies, assessing impact on portfolio growth and risk exposure
Conducted trend analysis and root cause analysis to identify key drivers of business performance
Partnered with Risk, Credit Operation teams to align strategies with risk tolerance and business objectives
Supported executive decision-making through data-driven insights and performance reporting
Collaborated with cross-functional teams to implement strategic initiatives and policy enhancements

Senior Manager, Business Intelligence - PrimeCredit Limited - Hong Kong

(2015-07 - 2020-05)

Delivered portfolio analytics, pricing analysis, and profitability reporting to senior leadership
Built dashboards and reports to track portfolio performance, business KPIs, and P&L forecast
Identified trends in customer behavior, acquisition quality, and portfolio risk
Supported development of data models and segmentation strategies to improve underwriting and targeting
Evaluated new data sources to enhance analytics and risk assessment capabilities

Senior Manager, Consumer Finance - Dah Sing Bank - Hong Kong

(2013-06 - 2015-07)

Conducted profitability analysis and pricing strategy evaluation for lending products
Developed customer segmentation and improved targeting strategies based on data insights
Assessed performance of marketing initiatives and their impact on portfolio quality

Manager, Revenue Opportunities, Unsecured Lending - Standard Chartered Bank - Hong Kong

(2011-05 - 2013-06)

Designed and executed targeted campaigns to improve acquisition and engagement
Performed data analysis and root cause analysis to optimize campaign performance
Partnered cross-functionally to enhance customer journey and business outcomes

AVP, Cards & Unsecured Lending - Citibank - Hong Kong

(2008-05 - 2011-05)

Developed portfolio strategies and channel optimization initiatives
Improved card loan application-to-approval turnaround time, enhancing customer experience
Collaborated with Operations and Credit Risk teams to streamline loan application and disbursement processes
Launched pre-approved online application channel at the post-login website in 2010

Assistant Portfolio Risk Manager, Asia-Pacific Consumer Credit Risk - HSBC - Hong Kong

(2006-11 - 2008-05)

Conducted portfolio level risk analysis for the Asia-Pacific region (HK, Taiwan, Macau)
Developed strategies to manage credit exposure and align with regional risk policies through TRIAD

Business & Risk Analyst, Credit Risk Management - PrimeCredit Limited - Hong Kong

(2005-05 - 2006-11)

Performed credit risk analysis and scorecard enhancement to improve underwriting performance
Supported policy development through data-driven insights and portfolio evaluation
Conducted credit audits to ensure compliance with risk guidelines

Bank Executive, Collection-Secured Products Consumer Banking Credit - DBS Bank - Hong Kong

(2004-04 - 2005-05)

Monitored non-performing loans (NPL) and recommended payment arrangement solutions to reduce credit loss
Coordinated with legal partners for recovery and resolution

Executive Assistant - HKU SPACE Community College - Hong Kong

(2002-09 - 2004-04)

Coordinated student admissions events and maintained an accurate student records database
Handled inquiries, complaints, and tuition fee refund requests efficiently and professionally