Kangxin (Zane) Zhu

VP, Digital Innovation Product Manager (Cross-border Payments), Treasury & Trade Solutions · Shanghai

• Strategy: As a core member of Citi China's Digital Council, built the digital strategy framework and led the 3A strategy (All-online, Automated, Autonomous). Proven first in payments, it was adopted as Citi China's firmwide strategy framework for 2025 across all product lines.
• Enterprise rollout: Led 3A implementation and the Paperless program, changing how 227 people across 8 functions work — Operations, Relationship Managers, Sales, Technology, Compliance, Product, the CEO Office and the CIO Office.
• Client go-to-market: Created the 3L strategy (Paperless → InfoLess → InfoLeast), rolled out by client maturity and risk level; paperless adoption rose from 57% to 92%.
• Platform innovation: Designed COMPASS, a low-code rules platform that turned regulatory rule changes from development work into configuration, cutting delivery from 1–2 years to 1–2 months. Evolved payment review from manual checks to rules automation + AI judgment + human review, automating 80% of goods-trade payment reviews.
• Pilots: Ran an auto-collection pilot for 130 low-risk corporate clients, cutting posting time from about 20 minutes to under 1 minute. Led LLM pilots — unstructured document extraction and a RAG regulatory assistant — that reduced regulation lookup time in rule design by about 70%.
• Ecosystem: Worked with the Payment & Clearing Association of China, the Shanghai and Beijing clearing associations, the Shanghai and Shenzhen Customs Single Window, and a SWIFT service bureau; led vendor selection and tendering for the PANDA, EDGE and COMPASS platforms.
• Data & tools: Used SQLite and Python for local rule validation, operational data validation and scenario simulation; Microsoft Access to maintain and analyze recurring operations data, produce periodic reports, and design data structures and UI elements for product prototypes; Power BI for data preprocessing and cleansing; and SharePoint for cross-team collaboration.

FMBA/MBA Live Project Mentor (part-time) · Shanghai

• Designed and launched the "Digital Currency Strategy & Product Planning" live-project track based on independent research, guiding students through strategy and product planning.
• Taught corporate strategy design and mentored live projects on multinational digitalization and metaverse strategy, fintech strategy, and banks' Belt and Road strategies.

Director of Business Innovation · Shanghai

• At a leading Chinese strategy and brand consultancy, led customer-experience strategy and business-model innovation projects.
• Designed service and operating experience innovations for Nu Skin's flagship-store touchpoints.

Senior Strategy & Business Planning Expert, Group Strategy Department (Financial Services, Cloud & IoT) · Shenzhen / Shanghai

• Strategy Advisory Council: Lead organizer and researcher for Huawei's SAC (2014–2017), covering IoT, cloud services, enterprise IT, smart cities, VR/AR and AI, and bringing in global external experts to align senior leadership on strategic direction — groundwork for Huawei's cloud and intelligence businesses.
• Vision & mission: Led the 2017 group vision-and-mission study, benchmarking Microsoft, GE and others; built vision and mission into the strategy management system and helped shift Huawei's vision toward a "digital and intelligent world".
• New-business entry: In 2014 independently completed a China cloud-services industry study (with Python-based data analysis) that identified which industries to enter first (banking and insurance) and which to avoid (chemicals); contributed to the cloud strategy adopted as a group priority, and to the annual 811 plan for cloud and enterprise IT.
• Financial services: In 2017 independently scanned the strategies of 26 major European banks and proposed two fintech breakthrough directions, adopted into the Enterprise BG's European financial-sector plan and training; in 2016 developed China insights and the group's annual financial-services strategy content.
• Regions & capital markets: Led Huawei's Latin America strategy plan (vision and mission, business and market, organization and resources); presented Huawei's strategy to investors in the 2017 European non-rated bond issue.
• Methodology: Helped design the group's strategy methodology system as part of the Capability Center, and built Huawei's internal and external expert networks.

General Manager, Strategy Planning · Shanghai

• Built the strategy function from scratch for a supply-chain services platform, managing industry research, platform planning and customer experience; integrated four separate online businesses into one platform blueprint and roadmap.
• Within six months set up three management systems — customer experience, product lifecycle management and marketing program management — and developed the customer-experience and industry-research directors and their teams.

Strategy Consulting Manager, Communications, Media & High Tech (also Health & Public Service) · Shanghai

• Strategy to execution: Delivered China Telecom Xinjiang's customer-experience strategy, operating initiatives and implementation plan, and guided the pilot — 2nd place, China region, in Accenture's 2013 global innovation project awards.
• Corporate strategy: Led the 12th Five-Year strategic plan and corporate strategy for North China Power Engineering.
• Insurance and healthcare: Recommended an SME business strategy for China Pacific Insurance (CPIC); designed the China market-entry strategy for the College of American Pathologists; planned the operating and IT strategy for Peking University International Hospital.
• Market entry and investment: Designed Huawei's cloud-computing market and data-center strategy; completed commercial due diligence and development strategy for China Mobile Multimedia Broadcasting (CMMB).
• Innovation strategy: Designed online-video product and R&D strategy for China Telecom; proposed R&D innovation strategies for Huayi Group and China Tobacco Shanghai; delivered benchmarking and business-development advice to high-tech firms.

Deputy General Manager (GM, Telecom Division; GM, Operations Center) · Shanghai

• Growth: Built the Telecom Division from zero to 70 people and grew its annual revenue from RMB 0.3M to RMB 16M in three years.
• Turnaround: Took over China Mobile Shanghai's enterprise SMS platform project and cut client complaints by 90% within a year; it became a star project for several years. Served as project director and CTO for 15 China Mobile Shanghai projects.
• Engineering excellence: Rebuilt the R&D process and quality system (MySQL and Hibernate-based development), shortening development cycles by 40% and cutting defect rates by 70%; designed a contribution-based R&D performance model.
• Operations: As GM of the Operations Center (2008), ran finance, commercial and HR functions and shortened the average collection period by 1.5 months.
• Pricing and people: Designed a hybrid pricing model for the SMS platform that won China's top two SMS advertising companies; developed three division-manager successors and several project managers.

Project Manager & Software Architect, Optical Networking Group · Shanghai

• Owned requirements, architecture and change management for three products, working with MySQL and Hibernate; managed 11 R&D projects and shipped 11 software releases over five years.
• Chaired the daily Change Control Board and weekly architects' meeting; designed six major software architectures, resolved about 470 change requests, reduced defects by 15%, and helped the company achieve ISO 9000 and CMM certification.