Head of R&D Team, Financial Tech. Lab., Kakao Bank
5F, H-Square S-dong, 231, Pangyoyeok-ro,
Bundang-gu, Seongnam-si, Gyeonggi-do, Korea
Contact
Email: william.shin@lab.kakaobank.com, jinho.shinn@gmail.com
Tel. +82 (0)2 6288 6254
Fax. +82 (0)2 6288 6007
Fields of Interests
Financial Economics, Real Estate Market, Risk Management
Financial Technology, Big-data Analytics, Machine Learning
Academic Qualifications
Ph. D. in Economics, Sungkyunkwan University, 2015.
MS in Management Engineering, KAIST, 2003.
BA in Economics, Younsei University, 2001.
Other Qualifications
Financial Risk Manager (FRM), GARP, 2005.
Work Experience
Head of Research&Development, Financial Tech. Lab., Kakao Bank, 2016-Present.
Head of Consumer Banking, Asset Management Dept., MG Non-Life Insurance, 2013-2016.
Head of Credit Manager Part, Korea Credit Bureau (KCB), 2012-2013.
Head of Risk Management Dept., SBI Saving Bank, 2011-2012.
Senior Assistant Manager of CB Risk Dept., Standard Chartered Bank, 2010-2011.
Head of Analytics, Peninsular Capital (a subsidiary of Merrill Lynch), 2006-2010.
Credit Analytics/Modeller, Korea First Bank, 2003-2006.
Teaching Experience
Investment Theory, 2018, Graduate School of Management, Kyung-Hee University
Publications
"Medicare Fraud Detection using Graph Analysis: A Comparative Study of Machine Learning and Graph Neural Networks" with Yeeun Yoo and Sunghyon Kyeong, IEEE Access, 2023-08-17, DOI: 10.1109/access.2023.3305962
"Two-stage credit scoring using Bayesian approach" with Sunghyon Kyeong, Journal of Big Data, 2022, DOI: 10.1186/s40537-022-00665-5 (Corresponding author)
"Medicare fraud detection using graph neural networks" with Yeeun Yoo; Donghwa Shin; Daehee Han; Sunghyon Kyeong;
2022 International Conference on Electrical, Computer and Energy Technologies (ICECET), 2022, Conference paper,
DOI: 10.1109/icecet55527.2022.9872963
"Can System Log Data Enhance the Performance of Credit Scoring?—Evidence from an Internet Bank in Korea" with Sunghyon Kyeong and Daehee Kim, 2022, Sustainability 14(1):130. (Corresponding author)
"The impact of UK household overconfidence in public information on house prices" with Youngha Cho and Soosung Hwang, 2020, Journal of Property Research 37(4):360~389. (Corresponding author)
"Does Illiquidity Matter in Residential Properties?" with Youngha Cho and Soosung Hwang, 2017, Applied Economics 49(1):1~20. (Corresponding author)
"Optimal Exit Costs of Foreign Direct Investment" with Young-Han Kim, 2017, Global Economic Review 46(4):402~421. (Corresponding author)
"검색빈도를 이용한 종합부동산세 및 재산세의 주택가격 인하효과 분석" with Sanha Noh, 2021, 국토연구 110, 81-93. (교신저자)
"An Analysis of Herding in the Korean Stock Market Using Network Theory" with Young-Il Kim and Jinho Shin, 2018, 한국증권학회지 47(3), 505-542. (Corresponding author)
"주택시장의 과신과 가격거품" (신진호, 황수성), 2015, 부동산학연구 제21집 제1호, pp. 5~29. (교신저자)
Book
"재무경제학(Financial Economics)", 황수성&신진호, 2018, 피엔씨미디어.
"재무경제학(Financial Economics) 2nd edition", 황수성&신진호, 2023, 도서출판 정독.
Presentations
"Data science of Kakaobank for Financial Fraud Detection", 2021, Korea Academy of Business Ethics, Seoul.
"The Price Impact of Deposit in Residential Lease Contracts: The Collapse of Chonsei System in Korea", 2015, Korean Securities Association, Seoul.
"Why Does Junse-to-Price Ratio Affect Residential Property Returns?", 2014, Korea Money and Finance Association, Daegu.
"Why Does Chonsei-to-Price Ratio Affect Residential Property Returns?", 2014 CERK International Conference, Sungkyunkwan University, Seoul.
"Do We Really Care Illiquidity in Residential Properties?", 2013 AREUEA Conference, Hebrew University, Jerusalem.
Patents
Credit risk modeling using auto-encoder (Patent no.:10-2021-0176063), Contribution 1/3 (Kakao Bank, 2021)
Credit risk modeling using time series auto-encoder (Patent no.:10-2021-0176068), Contribution 1/3 (Kakao Bank, 2021)
Credit risk modeling using two stage logistic regression (Patent no.:10-2021-0175720), Contribution 1/3 (Kakao Bank, 2021
Micro-saving product design (Patent no.:10-2019-0154830), Contribution 1/12 (Kakao Bank, 2020)
Awards
Lee, Bong-Soo Best Paper Awards, May 2016, "An Analysis of Herding in the Korean Stock Market Using Network Theory", Allied Finance Association.
Best Thesis Awards, Feb. 2016, The effects of the illiquidity, rent deposits and overconfidence on house prices, Sungkyunkwan University.
최우수논문상, 2015년 12월, "주택시장의 과신과 가격거품", 한국부동산분석학회.
우수논문상, 2004년 11월, 소매금융 경쟁력 제고를 위한 위험관리 혁신방안, 파이낸셜뉴스.