Joy Zhao is an accomplished analytics professional with a robust background in data analysis and engineering. With experience spanning from November 2015 to the present, Joy has held various roles at notable companies such as CTBC Bank Corp. (USA) and FLYR, where responsibilities included data analysis, credit analytics, and senior analytics engineering. Joy has also contributed to Scribd, Inc. as an Analytics Engineer since September 2025. Joy's educational foundation includes a Master's degree in Finance from the Rady School of Management at the University of California, San Diego, and a Bachelor's degree in Economics with a focus on Finance from Southwestern University of Finance and Economics.
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