Dr. Yichuan Pei has served as Yirendai’s chief risk officer since March 2017. Dr. Pei brings with him over 26 years of experience in the financial industry from consumer lending risk management, credit product marketing management, asset-backed securities valuation in the United States. Prior to joining Yirendai, Dr. Pei was Vice General Manager of Ping An Bank in Shanghai, China and Chief Risk Officer of Knowledge Decision Sciences in San Jose, California. Previously, Dr. Pei served as Senior or Executive Vice President at various banks in the United States, including Bank of America, JP Morgan Chase, Washington Mutual Bank, Providian Financial Services, and Fleet Boston Bank. Dr. Pei graduated with a Bachelor of Science degree from the University of Science and Technology of China, received a PhD from the Johns Hopkins University in Baltimore, Maryland, and awarded a postdoctoral fellowship from Princeton University in Princeton, New Jersey.