Junru Cheng is an experienced professional in consumer credit risk analytics and quantitative management. Currently serving as an Associate at Pretium since July 2022, Junru has previously held the position of Assistant Vice President at Bank of America from May 2018 to July 2022, where responsibilities included advanced consumer credit risk analytics within a two-year rotational program focused on fair lending and consumer credit risk analytics. Additional experience includes internships at CITIC Securities International and CLSA, as well as research roles at the China Financial Futures Exchange. Junru holds a Master's degree in Mathematical Finance from the Questrom School of Business at Boston University and a B.S. in Economics with a concentration in Financial Engineering from Renmin University of China.