Ling Yu

Ling Yu is a Senior Machine Learning Engineer at EarnIn since May 2022, with prior experience as a Senior Data Scientist at Fast and a Senior Modeler at Discover Financial Services. At Discover, Ling developed advanced probability of default and exposure at default models for credit card portfolios while utilizing tools like Snowflake, Python, and H2O. Responsibilities included building data and modeling pipelines, exploring innovative methodologies, and supporting regulatory frameworks such as CECL and CCAR. Ling's career began at Virginia Tech, where roles included Graduate Research Assistant and Graduate Teaching Assistant, and culminated in earning a Ph.D. in Economics, as well as a Master's Degree in Data Analysis and Applied Statistics. Additional academic credentials include a Bachelor's degree from Zhejiang University and a brief study at the University of California, Berkeley.