Ms Quan Yu has been head of Credit Risk Management at Ant Group since 2016. She is in charge of Credit Tech Partner Services for Ant International since the end of 2023. She has been leading the team to deliver very user friendly financing products while maintaining credit risk at a low level for healthy and sustainable growth. Before joining Ant, Ms. Yu spent 14 years at Capital One (US), worked in various risk leadership roles, with the last one as Sr. Director, leading the Enterprise Risk Analytics team.