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    Zoe Zou

    Research Analyst at CLSA

    Zoe Zou is an Executive Director and Equity Research Analyst at CLSA, specializing in China consumer sectors with deep expertise in companies such as China Mengniu Dairy, Want Want China, and Uni-President China. She has built a strong reputation for her comprehensive fundamental research and is recognized among clients for her in-depth coverage and actionable investment recommendations, although specific published performance metrics are not publicly available. Zoe began her analyst career in the early 2010s, has held research roles at both Morgan Stanley Huaxin Securities and CLSA, and has steadily advanced to her current executive director position since joining CLSA in 2018. She is professionally credentialed, holding the Chartered Financial Analyst (CFA) designation, and is noted in industry circles for her clear consumer sector insights and reliable analysis.

    Zoe Zou's questions to LexinFintech Holdings (LX) leadership

    Zoe Zou's questions to LexinFintech Holdings (LX) leadership • Q3 2024

    Question

    Zoe Zou from CLSA asked for an elaboration on the measures taken in Q3 to optimize new loan risk levels, the expected progress of the overall asset quality recovery, and for more details on the future plans and business impact of the newly launched Intelligent Credit Platform (ICP) model.

    Answer

    CRO Arvin Qiao, via translator Mandy Dong, detailed several risk management improvements, including focusing on high-quality acquisition channels, building joint models, and enhancing anti-fraud capabilities, which led to a 50% decrease in the FPD7 for new customers compared to the Q4 2023 peak. CEO Jay Xiao explained that the ICP is a capital-light, profit-sharing model that expands Lexin's addressable market and smooths risk across credit cycles by matching customers with funding partners that have complementary risk appetites.

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