X Financial-Welcome - Board of Directors

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Shaoyong (Simon) Cheng

President and Director

Mr. Shaoyong (Simon) Cheng has served as X Financial’s President since October 2017 and Director since December 2017. Mr. Cheng joined X Financial in 2015. Prior to serving as President, Mr. Cheng served as the Company’s Chief Risk Officer from 2015 to 2017. Prior to that, Mr. Cheng served as head of CEO office and head of business banking at Hang Seng Bank China Limited from 2013 to 2015, deputy General Manager in charge of retail lending management at Bank of Communications from 2006 to 2013, senior credit risk manager at HSBC North America and HSBC Asia Pacific from 2002 to 2006, and manager at Capital One from 1997 to 2002. Mr. Cheng received a bachelor’s degree and a master’s degree in engineering and a bachelor’s degree in economics from Tsinghua University, a master’s degree in industrial engineering and an MBA degree from University of Southern California.