X Financial-Welcome - Management

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Management

Yue (Justin) Tang

Founder, Chief Executive Officer and Chairman

Mr. Yue (Justin) Tang is X Financial’s founder, Chief Executive Officer and Chairman of the board of directors. Mr. Tang is responsible for overall business strategies and operation. Before starting X Financial, Mr. Tang co-founded eLong.com, an online travel service company in China in 1999. From 2006 to 2014, Mr. Tang was the founder and managing partner of Blue Ridge China, an investment and consulting company. Mr. Tang is also currently a director of Jidiao Network (Stock Code: 832015), a company listed on China’s National Equities Exchange and Quotations. Mr. Tang received a bachelor’s degree in business administration from Concordia College.

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.

Ding (Gardon) Gao

Chief Technology Officer and Director

Mr. Ding (Gardon) Gao has served as X Financial’s Chief Technology Officer since April 2014 and Director since December 2017. Mr. Gao joined the Company in 2014. Prior to that, Mr. Gao served as software architect from 2010 to 2014 at Tencent Holdings Limited. Mr. Gao received a bachelor’s degree in management of information system from Dalian Maritime University.

Frank Fuya Zheng

Chief Financial Officer

Mr. Frank Fuya Zheng has served as our Chief Financial Officer since August 2020. Mr. Zheng has accumulated extensive experience in corporate finance and investment management over 15 years. From 2008 to 2012, Mr. Zheng was the Chief Financial Officer of Cogo Group, Inc., a company previously listed on NASDAQ that provided customized module design solutions and manufactured electronic products in China. Mr. Zheng was also a director of the same company from 2005 to 2012. Since April 2020, Mr. Zheng was an independent director of Lianluo Smart Limited (NASDAQ: LLIT), as well as chairman of the audit committee and a member of the compensation and nomination committee. From 2018 to 2019, Mr. Zheng was an independent director of ChinaCache International Holdings Ltd. Mr. Zheng also served as an independent director of Yingde Gases Group Company (02168.HK) from 2009 to 2017. Prior to that, he was vice president at eLong, Inc., one of the leading online travel service companies in China, where he was responsible for overseeing the operations of its travel services nationwide. Mr. Zheng received a bachelor's degree in Business Administration majoring in accounting from the City University of New York in 1994.

Kan (Kent) Li

Chief Risk Officer

Mr. Kan (Kent) Li has served as X Financial’s Chief Risk Officer from November 2017. Mr. Li joined the Company in 2015. Prior to serving as Chief Risk Officer, Mr. Li served as a division director in charge of unsecured loan risk from 2015 to 2017. Prior to that, he served as a manager at Capital One from September 2008 to November 2015. Mr. Li received his bachelor’s degree and master’s degree in economics from Southwestern University of Economics and Finance.