Seeking full-time roles in Hong Kong | IANG Visa Holder
Vincent Qitai Lai | Master of Finance Graduate
Master of Finance graduate with investment product and digital banking experience.
Graduated with Distinction and ranked 1st at PolyU. Currently supporting investment-product research and delivery at ZA Bank, with strengths in valuation, data analysis, product requirements, and cross-functional execution.
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What I Bring
A clear combination of finance depth, product judgement, and execution capability.
Academic and analytical rigour
PolyU Master of Finance graduate with Distinction, GPA for Award of 4.03/4.30, and first place in the programme, supported by an Applied Economics degree with a 3.92/4.00 GPA.
Valuation and investment analysis
Practical capability across DCF, comparable companies, precedent transactions, three-statement modelling, WACC, sensitivity analysis, earnings quality, and financial statements.
Digital finance and product execution
ZA Bank experience spanning investment-product requirements, brokerage research, ETF analysis, investor content, Figma prototyping, and coordination across business, technology, and operations.
Investment Product Research
Brokerage benchmarking, ETF comparison, market-content evaluation, and investor-focused analysis.
Corporate Finance and Valuation
Structured valuation, financial-statement analysis, modelling, and evidence-based judgement.
Product Strategy and Prototyping
PRDs, business rules, Figma prototypes, product benchmarking, and AI-product exploration.
Data, Testing and Delivery
Analytical tools, workflow testing, defect reporting, process improvement, and stakeholder coordination.
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Professional Experience
Current investment-product experience, supported by earlier roles in finance education, banking systems, and operations.
06/2026 - Present | Hong Kong
Investment Team Intern
ZA Bank Limited | Wealth Management Department
Supporting the design, research, content, and delivery of investment-related features by connecting customer needs, market intelligence, product logic, and cross-functional execution.
Requirements and Prototyping
Drafted PRDs and Figma prototypes for stock search, market labels, quote displays, OCR address-proof review, and stock-transfer workflows.
Brokerage and Product Research
Benchmarked Hong Kong and U.S. platforms across ETFs, IPO services, pricing, fixed income, market news, AI tools, and transfer processes.
Investment Content
Produced customer-facing feed content and ETF comparisons covering holdings, performance, fees, risk, and peer positioning.
Cross-functional Delivery
Supported requirement reviews with business, technology, and operations teams; refined rules, prototypes, and implementation details.
AI Product Exploration
Proposed AI market-intelligence and dashboard-assistant concepts for synthesizing feedback, competitor moves, market trends, and business metrics.
09/2023 - 06/2024 | Macau
Teaching Assistant of Financial Management
Faculty of Finance, City University of Macau
- Graded assignments, quizzes, and examinations with consistent academic standards.
- Delivered review and Q&A support on time value of money, financial ratios, and budgeting.
- Organized student feedback to support course-content and teaching-method improvements.
07/2023 - 08/2023 | Foshan
Junior Engineer
Shanghai Chinasoft-International Huateng Software Systems Co., Ltd.
- Analysed mortgage approval workflows across application, document review, credit evaluation, and approval.
- Designed and executed normal, exception, and boundary test scenarios against expected outcomes.
- Logged defects with reproduction steps, impact assessment, and severity to improve issue traceability.
05/2022 - 08/2022 | Guangzhou
Experience Management Intern
China Guangfa Bank | Head Office Credit Card Center
- Supported project reporting through data collection, analysis, consolidation, and stakeholder communication.
- Contributed to workflow and operational improvement initiatives using JMP-supported analysis.
- Coordinated innovation-incubation and Lean Six Sigma training activities, materials, and follow-up.
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Education and Recognition
Academic performance defined by consistency, distinction, and merit-based recognition.
09/2025 - 06/2026 | Hong Kong
The Hong Kong Polytechnic University
Master of Finance (Corporate Finance)
4.03 / 4.30
GPA for Award | Graduated With Distinction | Ranked 1st
- MoF Merit-based Scholarship 2025/26
- Asian Capital Scholarship 2025/26
09/2021 - 06/2025 | Macau
City University of Macau
Bachelor of Applied Economics | Faculty of Finance
3.92 / 4.00
Bachelor GPA
- Dean's List, Faculty of Finance | 2021/22 - 2023/24
- Luso International Banking Ltd. Scholarship | 2021/22 and 2022/23
- CHEUNG Kovu Scholarship 2023/24 | Ranked 1st among academic performers
Additional International Exposure
Short-term academic experiences that broadened my approach to business analysis and cross-cultural collaboration.
University of Cambridge | Business Analysis
Applied problem structuring, business-model assessment, market analysis, and case-based reasoning to translate complex questions into actionable recommendations.
The Chinese University of Hong Kong | Academic Exchange
Strengthened regional business awareness, interdisciplinary learning, cross-cultural communication, and adaptability in a high-performing academic environment.
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Professional Skills
A practical toolkit spanning finance, investment products, product delivery, data, and markets.
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Finance and Valuation
Corporate valuation, financial accounting, investment analysis, DCF, comparable companies, precedent transactions, three-statement modelling, earnings quality, capital structure, WACC, sensitivity analysis, and financial-statement interpretation.
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Investment Products and Markets
Brokerage benchmarking, ETF comparison, IPO and fixed-income product research, market news, transfer workflows, investor education, and competitor analysis.
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Product and Delivery
PRDs, Figma prototyping, requirement reviews, business-rule refinement, stakeholder coordination, product benchmarking, and AI-product ideation.
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Data and Technology
Python, Power BI, Tableau, Stata, EViews, JMP, Microsoft Office, workflow testing, defect management, and AI-assisted prototyping.
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Market Platforms
Practical experience with Bloomberg Terminal and Wind for financial information, market monitoring, and research support.
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Languages and Qualification
Cantonese native, Mandarin native, English fluent, and HKSI Licensing Examination Paper 1 passed.
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Contact
Seeking the next opportunity to contribute and grow.
I am open to full-time roles across investment products, wealth management, corporate finance, banking, accounting, audit, consulting, risk management, business analysis, and related analyst-track functions.
Visa Status
Hong Kong IANG Visa Holder.