X Financial-Welcome - Board of Directors

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Shaoyong (Simon) Cheng

Non-Executive Director

Mr. Shaoyong (Simon) Cheng joined X Financial in 2015 and has served as the Company’s Director since December 2017. From May 2021 to November 2023, Mr. Cheng served as Vice Chairman. Prior to serving as Vice Chairman, Mr. Cheng served as the Company’s President from 2017 to 2021 and Chief Risk Officer from 2015 to 2017. Prior to that, Mr. Cheng served as deputy General Manager in charge of retail lending management at Bank of Communications, senior credit risk manager at HSBC North America and HSBC Asia Pacific. Mr. Cheng also served as head of CEO office and head of business banking at Hang Seng Bank China Limited, and manager at Capital One. 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.