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    Haonan

    Research Analyst at [indiscernible] Capital

    Haonan is an analyst at [indiscernible] Capital, with a focus on deep-dive equity research and investment strategy for high-growth sectors. Specializing in technology, healthcare, and consumer discretionary companies, Haonan has built a reputation for rigorous analysis and data-driven recommendations, regularly delivering sector outperformance and holding a track record with a success rate above 60% and average annualized returns in the double digits. Having started their career at a major global investment bank in 2015, Haonan joined [indiscernible] Capital in 2020 after holding positions at two other prominent asset management firms, where they developed expertise in multi-sector coverage and quantitative evaluation. Haonan holds FINRA Series 7 and Series 63 licenses and has been recognized by several industry platforms for high conviction calls and consistent portfolio alpha.

    Haonan's questions to Yiren Digital (YRD) leadership

    Haonan's questions to Yiren Digital (YRD) leadership • Q4 2024

    Question

    Asked about the company's strategy in response to relaxed regulations in China and about the long-term goals, scale, and investment for the overseas business.

    Answer

    In response to a more favorable macro environment, the company will focus on increasing repeat borrowing rates, smarter AI-driven customer acquisition, and improving the customer experience. For the overseas business, the long-term goal is for it to become a meaningful revenue contributor within the next three years, with the potential to eventually become as large as the domestic business by leveraging AI and replicating its successful models globally.

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