Crystal(Tianhui) Hu
Tokyo
Summary
A results-driven AI and data scientist with over six years of experience in credit risk, fraud detection, and natural language processing. My global perspective is shaped by five years of professional experience in Sydney, Australia, and over a year in Tokyo, where I collaborate directly with Japanese stakeholders in Japanese.
My expertise spans from building predictive models to engineering advanced NLP solutions. As an NLP Research Engineer, I developed a patented RAG-based "Evidence Tracker" to eliminate LLM hallucinations and deliver reliable, accurate information. I thrive in cross-functional environments, partnering with product and engineering to align technical solutions with business goals. Eager to apply this comprehensive AI and product-focused, user-focused mindset to shape product direction and create more powerful and robust tools by utilizing NLP methods.
Finally I am that kind of person that would always briefly push myself out of comfort zone as I firmly believe 'The really life STARTS at END of your comfort zone' !
Overview
6
6
years of professional experience
1
1
Certification
Work History
NLP Research Engineer
Moneyforward
Tokyo, Japan
06.2025 - Current
- Developed a patented 'Evidence Tracker' tool based on Corrective Retrieval-Augmented Generation (CRAG) to eliminate hallucinations from large language models (LLMs), supporting the customer support team in finding accurate answers. This involved building and optimizing deep learning-based embeddings for document retrieval.
- Identifying promising research topics from the latest studies in reducing hallucination in critical high risk field like finance , law , tax.
- Evaluated the new system's performance, and performed fine-tuning to optimize results.
- Core algorithm development and UI development via the Streamlit interface.
Research Scientist in Credit Risk
Money Forward
Tokyo
06.2024 - Current
- Conducted research on credit limit determination for factoring services, focusing on improving accuracy through statistical analysis and machine learning.
- Investigated cutting-edge credit control methods within B2B lending sector, facilitating long-term strategy formulation for Risk Department
- Scrutinized large datasets, highlighting essential variables like lead desired amount and purchased amount, and advocated for new methodologies in setting credit limits.
- Coordinated with BFW (BizForward) to integrate research goals with business priorities, articulating and demonstrating findings to stakeholders.
- Evaluated limitations of present credit limit estimation approaches and devised pre-screening measures to inform users of lending limits ahead of application evaluation
- Facilitated strategic planning for entire research project
Data Scientist
Commonwealth Bank of Australia
12.2021 - 10.2023
- Explored and analyzed new data sources to enhance team outcomes, providing actionable insights for informed decision-making.
- Led the Data Decision Analyst team, overseeing and coordinating projects to empower team members with autonomy and discretion.
- Developed and deployed advanced credit risk assessment models (PD model), applying statistical techniques and advanced analytics to drive data-driven decisions.
- Conducted comprehensive data pre-processing, ensuring data quality by handling unbalanced datasets, missing value imputation, and one-hot encoding. Built and deployed ETL pipelines in Azure/AWS for data cleaning, transformation, and model training.
- Design new metrics in home loan-related parameters and requirements, and forge robust data science roadmaps.
- Gathered reporting requirements about construction loan, developed documentation, and created reports using Tableau and Power BI.
- Assisted with A/B testing , casual interfence to improve product effectiveness and identify target segments for product launches.
Data Analyst and Developer
Hub 24
02.2021 - 12.2021
- Supported ad-hoc data requests through SQL queries, leveraging proficiency in database management and hands-on experience with GCP and AWS.
- Automated manual reporting processes using reporting services and tools such as Microsoft Report Builder and SSRS Service, streamlining data analysis and insights generation.
- Generated actionable business insights through data modeling techniques.
- Designed and deployed reporting solutions using SSRS Service, providing valuable insights to assist in decision making.
- Led database redesign initiatives, ensuring stable staging and implementing data warehousing technologies. Successfully managed data migration from legacy systems to new platforms and designed ETL pipelines.
- Utilized Salesforce for data analytics, including onboarding data and generating reports to support business operations.
- Employed data visualization tools like Yellowfin, Tableau, and Data Studio to create visually appealing and informative dashboards and reports.
Software (Web) Developer
Hub 24
Sydney
06.2020 - 02.2021
- Demonstrated expertise in modern and responsive web UI design, implementing and optimizing user interfaces.
- Possessed strong experience in commercial front-end coding, utilizing advanced frameworks like React and showcasing proficiency in HTML and CSS.
- Leveraged deep knowledge and research results of jQuery-UI, jQuery DataTable, Bootstrap, Tabulator, Cleave.js, and other relevant technologies.
- Conducted front-end UI performance optimization, user experience improvement testing, and security testing.
- Worked closely with business analysts to understand their requirements and design tailored solutions.
- Collaborated with the team to design feature solutions, ensuring seamless integration and optimal functionality.
- Led back-end data structure design, data flow design, API development, testing, and database operations.
Web Developer and IT Tutor
Navigator Union
06.2019 - 06.2020
- Tutoring IT courses / Test performance of company webpage / Design and optimize webpage UI
Education
MASTER OF INFORMATION TECHNOLOGY - SOFTWARE ENGINEERING AND DATA ANALYTIC AND MANAGEMENT
the University of Sydney
01.2019
GRADUATE DIPLOMA IN COMPUTING -
the University of Sydney
01.2018
Skills
Python programming
Reactjs development
Data visualization
Scientific writing
SQL and database management
Statistical analysis
Strategic planning
Algorithm development
Languages
English
First Language
Chinese (Mandarin)
Proficient (C2)
C2
Japanese
Proficient (C2)
C2
Certification
- Google Analytic Certificate, GOOGLE
- JLPT N2 Certificate, JLPT JAPANESE-LANGUAGE PROFICIENCY TEST
- JLPT N1 Certificate, JLPT Japanese-Language Proficiency Test
- AlgoExpert certificate of completion
- Machine Learning, STANFORD UNIVERSITY ONLINE
- AWS Cloud Practitioner, AWS
Timeline
NLP Research Engineer
Moneyforward
06.2025 - Current
Research Scientist in Credit Risk
Money Forward
06.2024 - Current
Data Scientist
Commonwealth Bank of Australia
12.2021 - 10.2023
Data Analyst and Developer
Hub 24
02.2021 - 12.2021
Software (Web) Developer
Hub 24
06.2020 - 02.2021
Web Developer and IT Tutor
Navigator Union
06.2019 - 06.2020
MASTER OF INFORMATION TECHNOLOGY - SOFTWARE ENGINEERING AND DATA ANALYTIC AND MANAGEMENT
the University of Sydney
GRADUATE DIPLOMA IN COMPUTING -
the University of Sydney
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