Mingjie Zhu graduated from the Special Class for the Gifted Young of University of Science and Technology of China. Later he received united training from the University of Science and Technology of China and Microsoft Research Asia, and got his PhD. Afterwards Zhu studied as a Postdoctoral Fellow at the Max Planck Institute in Germany. Zhu excels at data mining, Internet searches, machine learning, big data R&D and product as well as team management. He also owns numerous patents on machine learning and data mining, and has published plenty of papers on the subjects. In the meantime, Zhu is also a guest professor at the University of Florida, Tongji University, and the Nanjing University of Aeronautics and Astronautics. In the beginning, Zhu joined the team at Yahoo Beijing and took charge of the search science team. He took the lead in machine learning platform core algorithms for Yahoo search and supported machine learning ranking, user intent understanding, and personalized system for Yahoo search and advertising. In 2013, Zhu assumed the post of data director at Ctrip, and built the big data department for Ctrip. He was responsible for Ctrip’s basic data platform and machine learning intelligence application, he built the AI platform for Ctrip, increasing performance by several times in user personalized services, search recommendations, and advertising systems. Besides, Zhu also played a leading role in risk pricing and intelligent customer service for Ctrip. In 2015, Zhu left Ctrip and founded CreditX, a startup combining AI and finance. Taking advantage of machine learning, CreditX mines value from data by virtue of knowledge systems structured through large scale financial scenarios so as to create risk control solutions and product systems based on scenarios, maximize data-driven efficiency for financial customers, and form a continuously optimized closed-loop system from data to financial businesses. According to public information, CreditX has closed its Series-B financing of nearly 100 million RMB. “In terms of CreditX’s commercial value, we provide financial institutions and enterprises with AI-based financial risk prediction and help them build the technology and capability of judgment. In this way, they can reduce the proportion of late payments and integrate white customers (who lack financial records but are qualified) into the financial service scope while substantially lowering credit approval cost and boosting passing rates,” Zhu said.