James Cao

James Cao, CFA, is an experienced finance professional currently serving as Senior Vice President at Octane® since June 2021, where responsibilities include leading credit strategy, pricing, portfolio insights, and forecasting. Prior positions include Vice President of Credit at HSBC, VP of Unsecured Lending at Credit One Bank, and VP of Risk Management at JPMorgan Chase & Co., including roles in Chase Cards Service focused on portfolio risk management. James Cao also held various senior roles at Citi, emphasizing consumer lending credit policy and fraud analytics. With foundational experience as a Bank Examiner at The People's Bank of China, James Cao holds an MBA in Finance from the University of Maryland and an MS in Finance from Wudaokou School of Finance, Tsinghua University.