Zhaoya Lu is an accomplished data scientist and software engineer with expertise in credit risk modeling and data integration. Lu studied at Tsinghua University and Carnegie Mellon University, where he earned a master's degree in Information Systems. He has passed CFA I & II and has experience in venture investment, application engineering, and teaching.

Before joining Square's Payment Data Science and Machine Learning team, Lu was a Senior Manager of Data Science & Integration at LendingClub where he led the implementation and integration of the platform's credit and fraud risk models. He has also worked as a Senior Software Engineer at LendingClub and as an Application Engineer at Oracle.

Lu is proficient in various programming languages such as Java, Python, Groovy, C/C++, and R, and has experience with tools like Maven, Git, Jenkins, and Tableau. He is also skilled in data mining, business analysis, model testing, auditing, and monitoring.

Overall, Lu is a highly skilled and experienced data scientist and software engineer with a wealth of knowledge in credit risk modeling, data integration, and software development.