Bo Yu, Ph.D, has extensive experience in credit risk analytics and operational strategy across various financial institutions. Currently serving as AVP of Client Engagement at EXL Services Ltd, Bo Yu provides consulting for consumer lending businesses. Previous roles include Senior Manager of Operational Analytics at Hyundai Capital America, where management of auto loan collection and recovery strategies was key, and Director of Consumer Strategy for Citi Banamex, overseeing collection and recovery analytics for multiple consumer portfolios in Mexico. Additional leadership positions include Director of Callcenter Analytics at CURO Financial Technologies Corp and Director of Global Collection Strategy at Dollar Financial Group, with earlier roles at GE Money Bank and Citi focused on collection strategy and risk management. Bo Yu holds a Ph.D in Mathematics from the University of Waterloo.