Chief Researcher at Global Digital Finance Center,Joint Lab
Beijing, Beijing, China
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Summary
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Senior
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Top School
Xinhai Liu is a chief researcher with a PhD in AI and Mathematical Engineering and over a decade of experience applying LLMs, big data, and complex-network analytics to credit risk management and fintech. He led research and product-oriented teams at the Credit Reference Center of the People’s Bank of China and now guides industry–academic collaboration at the Global Digital Finance Center, translating standards and best practices into deployable digital finance technologies. His work spans alternative credit scoring, financial network analysis, text and web mining, and GDPR-aware personal data protection—combining deep academic grounding with practical regulatory experience. A former KU Leuven and LSE researcher, he brings cross-border research credibility and a habit of turning advanced AI methods into operational risk solutions. He also serves in leadership roles for KU Leuven alumni in China and credit management professional committees, signaling a rare mix of technical, policy, and community influence. Colleagues note his knack for bridging mathematical rigor with producible fintech systems rather than staying solely in theoretical research.
9 years of coding experience
19 years of employment as a software developer
Doctor of Philosophy (PhD), AI and Mathematical Engineering in the Department of Electrical Engineering, Doctor of Philosophy (PhD), AI and Mathematical Engineering in the Department of Electrical Engineering at Katholieke Universiteit Leuven
Master, Computer Science, Master, Computer Science at Wuhan University of Science and Technology
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Xinhai Liu - Chief Researcher at Global Digital Finance Center,Joint Lab