Ruby Zhou

Ruby Zhou is a Senior Risk Strategy Advisor at Ant International, having transitioned from a similar role at 网商银行 where they focused on fraud risk management. With extensive experience in credit risk, Ruby previously led underwriting and risk governance teams at Home Credit China and Ant Bank (Hong Kong). Ruby holds a master's degree in a relevant field, emphasizing expertise in data analysis and risk strategy formulation. They have successfully implemented innovative risk management frameworks that significantly reduced fraud cases and improved user experience across various financial products.