Fang Y. has over 13 years of experience in financial services, specializing in credit risk and pricing, particularly in unsecured lending. They served as VP of Acquisition Risk Management at Citi from 2019 to 2022, where they oversaw underwriting, risk appetite frameworks, and loss forecasting for specialty retail cards. Currently, Fang holds the position of SVP of Pricing Strategy and Analytics at Citi, while also having worked as a Senior Manager of Data Science at Discover Financial Services from 2022 to 2025, focusing on data-driven insights. Their earlier roles included Personal Loan Pricing Strategy and Analytics and Collections Strategy at Discover, as well as Collections and Recovery Analytics at HSBC from 2012 to 2014.
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