Before joining JD Finance, Zhang Xu worked in Nordic Bank for 8 years and held several important positions such as vice president of group data management. Nordic Bank is the largest financial institution in Northern Europe, with branches all over the world 17 countries. It is the first to put forward the concept of data assets. In recent years, it has invested heavily in the field of data management and vigorously supported the development of data-driven business. ?
In the past year, high-end talents from different industries, including Bo Liefeng, former president of Henan Branch of China Construction Bank, former chief scientist of Amazon, Yao, former CEO of Yiborui Greater China, JUNG WOO, former head of urban computing at Microsoft Research Asia, and Wang Yu, former general manager of China Merchants Bank Credit Card Center, joined JD Finance one after another. ?
A person close to Jingdong Finance revealed that Chen Shengqiang, CEO of Jingdong Finance, has stated that the company has "no upper limit" on the resources invested by leading high-end talents. ?
Not long ago, Chen Shengqiang said at the Boao Forum that Jingdong Finance will change from self-operated finance to service financial institutions, and Jingdong Finance will no longer be a financial institution. ?
Specifically, in the future, JD Finance will no longer hold financial assets, but gradually transfer financial things to financial institutions, and then export them when they are mature. Financial institutions can directly do assets, funds and users. On this basis, JD Finance helps financial institutions to do relevant operations. ?
Financial institutions are changing. They not only get customers from internet companies, but also start to cooperate with internet companies to find ways to better operate their existing users. ?
"Now a large number of domestic enterprise service companies are selling accounts. The uniqueness of Jingdong's financial model is that we have our own users. We can export capabilities and users, while helping financial institutions to better operate existing users and ultimately help them achieve revenue growth. " Chen Shengqiang said. ?
"What we did before was digital assetization, and what we need to do next is asset digitization." Chen Shengqiang mentioned it before. ?
It is reported that Zhang Xu established the first data quality architecture of Nordic Banking Group, and established the first digital data quality measurement system in the history of Nordic Banking Group, and created a set of data management and operation system, which attracted the attention of many banks in Europe. In addition, he created the first comprehensive anti-money laundering /KYC anti-money laundering data management tool for group commercial banks in terms of compliance, and did a lot of work on GDPR (General Data Protection Regulations) in the group. Before joining Nordic Bank, Zhang Xu had 9 years of experience in marketing, IT system development and data analysis at Nokia. ?
Jingdong Finance said that 200TB of data is added every day, which is more than the data increment of some small technology companies in one year. In addition, the company has more than 3,000 technical, data and risk control personnel, as well as a large number of data scientists and artificial intelligence scientists.