Alan Lin
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Yichuan(Alan)Lin

Risk, AI, Education, and Ideas Across Cultures.

I graduated cum laude in Actuarial and Financial Engineering from KU Leuven. At Reacfin I developed and validated credit risk models on 500K+ mortgage records in Python and R. I like problems I haven’t seen before, and I build web tools on the side.

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Yichuan (Alan) Lin in a black coat and white earmuffs on a clifftop above the sea

“Different cultures, same curiosity, a brighter tomorrow.”

— Alan Lin

LeuvenBelgiumThe World

  • KU Leuven

    MSc Actuarial & Financial Engineering, Cum Laude

  • Reacfin

    Actuary Trainee Risk Modelling

  • Credit Risk

    PD models on 500K+ mortgage records

  • AI Engineering

    RAG, structured extraction AI-assisted development

  • Multilingual

    Chinese · English C2 French B1 · Japanese B2

  • Belgium ↔ China

    From Shenzhen to a global journey

Alan sitting on seaside rocks in late afternoon light
From Shenzhen to the world
An Australian Shepherd resting while being petted
Alan at a restaurant table with two glasses of red wine
Close-up selfie of Alan smiling at an outdoor market

Better people, better connections, through education and technology.

About Me关于我

Hi, I’m Yichuan (Alan) Lin. I grew up in Shenzhen, studied finance at Shenzhen University, and came to Belgium for my master’s at KU Leuven.

My focus is credit risk. At Reacfin I built and validated probability of default models, and my master’s thesis, written with Reacfin, looked at explainable AI in PD estimation. I mostly work in Python and R.

I enjoy exploring different cultures, meeting new people, and using technology to create meaningful learning experiences.

  • 中文 ChineseNative
  • EnglishC2
  • FrançaisB1
  • 日本語B2
Machine learning
Interpretable ML, GAM, GAMI-Net, gradient boosting, neural networks
AI engineering
Structured extraction from free text, AI-assisted development, RAG
Programming
Python, R, SQL, Stata, MATLAB
Certificates
Accounting Professional Qualification; HarvardX Introduction to Artificial Intelligence with Python (expected Nov 2026)

Experience & Education经历与教育

  1. Professional Experience

    Aug 2025 – May 2026 · Louvain-la-Neuve, Belgium

    Reacfin

    Actuary Trainee · Risk Modelling

    Alan standing in front of the Reacfin logo
    • Developed and validated probability of default (PD) models in Python and R on 500K+ mortgage records, benchmarking statistical models against machine learning.
    • Built a validation and sensitivity framework with historical shocks and the EBA adverse scenario, identifying unemployment and long-term interest rates as major credit risk drivers.
    • Interpreted results under Basel and Solvency II for non-technical and supervisory audiences.

  2. Education

    Sep 2024 – Jun 2026 · Leuven, Belgium

    KU Leuven

    MSc in Actuarial & Financial Engineering

    Leuven Town Hall on the Grote Markt
    • Graduated cum laude, with a tuition fee waiver.
    • Thesis: Advancing Explainability in Credit Risk Modelling: XAI Applications in PD Estimation, with Reacfin, supervised by Prof. Katrien Antonio and Nora Bentaleb.

  3. Professional Experience

    Jan 2024 – Apr 2024 · Shenzhen, China

    Hundsun Technologies

    Financial Markets & Risk Control Systems Trainee

    • Translated fund mandates into system controls: position, market-value and execution-price limits for equities, funds, bonds, repo and interbank products.
    • Drafted fund risk-control clauses and calculated asset-allocation limits and rebalancing thresholds for monitoring.

  4. Education

    Sep 2020 – Jun 2024 · Shenzhen, China

    Shenzhen University

    Bachelor of Finance

    Shenzhen University sign on the campus lawn at sunset
    • GPA 3.7/4.5. Outstanding Graduate.
    • Sponsored by the Shenzhen University International Scholarship Foundation.

  5. Professional Experience

    Sep 2023 – Nov 2023 · Shenzhen, China

    Sangfor Technologies

    Finance Intern · Credit Terms & Collections

    • Ran credit checks on new customers and set initial credit terms, then adjusted them using payment history and transaction volume.
    • Monitored overdue accounts, agreed repayment schedules and reported collection trends to management.

  6. Professional Experience

    Dec 2022 – Mar 2023 · Shenzhen Branch, China

    PICC

    Auto Insurance Sales Intern

    • Prepared motor-insurance quotations and processed new and renewal policies at the People’s Insurance Company (Group) of China.
    • Organised and tracked claims documentation, coordinating between customers and the claims team.

Featured Projects个人项目

View All on GitHub

Quantitative & Actuarial 6

  • Market versus model implied volatility after Bates model calibration
    MATLAB

    Bonus Certificate Pricing and Hedging under the Bates Model

    Calibrated a Bates model (Heston with Merton jumps) to the DAL implied volatility smile with a Carr-Madan FFT pricer, priced the barrier by Monte Carlo and derived a delta to hedge a $1M issue.

    • Option Pricing
    • Monte Carlo
    • FFT
  • Heatmap of Norwegian mortality rates by age and year
    R

    Norway Mortality: Lee-Carter Model

    Lee-Carter mortality modelling and projection for Norway, including COVID-19 excess mortality.

    • Mortality
    • Lee-Carter
    • Life Insurance
  • Simulated geometric Brownian motion paths of a pension portfolio value
    R

    Stochastic Pension Projection

    Stochastic projection of pension benefits with portfolio simulation and stress testing.

    • Pensions
    • Monte Carlo
    • Stress Testing
  • Expected payoff of the ATM digital product at maturity for five multiplier choices
    R

    Structured Products Pricing

    Pricing a partially principal-protected note and an ATM digital option on MCD stock.

    • Structured Products
    • Black-Scholes
    • Binomial Tree
  • Efficient frontier, capital allocation line and tangency portfolio for 12 US stocks
    Excel Solver

    Mean-Variance Portfolio Optimisation

    Long-only mean-variance optimisation of 12 US stocks: efficient frontier, tangency portfolio and optimal allocation.

    • Portfolio Optimisation
    • Efficient Frontier

Product Builds 5

  • Home page of the Shepherd Crystal website

    Shepherd Crystal

    Client website

    • Brand
    • E-commerce
    • Bilingual

    Brand site and catalogue for handcrafted natural crystal bracelets from Leuven and Wuhan, with collections, events and an English/Chinese version.

  • Home page of the Anqi Lin portfolio website

    Anqi Lin

    Client website

    • Portfolio
    • Illustration
    • Bilingual

    Portfolio site for a designer building digital tools for Chinese education, with a hand-drawn notebook style and English/Chinese versions.

  • Home page of the Leuven Chinese School website

    Leuven Chinese School

    Client website

    • Education
    • Multilingual
    • Community

    Site for a weekend Chinese school in Leuven: class times and locations, courses, events and enrolment, in Chinese, Dutch, English and French.

  • Home page of the Beyond Mandarin website

    Beyond Mandarin

    Client website

    • Education
    • Multilingual
    • Brand

    Site for a Belgium-based Chinese language and culture programme: courses, cultural events, and study and travel in China, in English, Chinese, French and Dutch.

  • Leuven Discount Radar home page listing this week’s supermarket deals

    Leuven Discount Radar

    Founder & product developer

    • Product
    • AI Search
    • Community

    A live platform that gathers weekly promotions from seven major supermarkets: 4,000+ multilingual offers with search, price comparison, filters and expiry tracking, updated three times a week. Used by 200+ people.

Interests & Beyond Work兴趣与生活

Life生活片段

See more moments

Current Focus最近在做的事

  • Job Search in Europe

    Exploring opportunities in risk, data and AI-related roles.

  • AI in Education

    Building practical tools for language learning and beyond.

  • French Learning

    Improve my French and experience a deeper local life in Belgium.

  • Product Experiments

    Turn ideas into small but real products.

Notes & Writing文章与思考

  • Learning French in Belgium: My First 6 Months

    Reflections on language learning, cultural adaptation, and small moments of growth.

  • How I Use AI for Language Learning

    Practical ways I use LLMs and AI tools to improve my Chinese, English and French.

  • From Risk to Real Impact

    Thoughts on how risk management, AI and education can create positive real-world impact.

Let’s Connect联系我

Always open to new opportunities, ideas and interesting conversations. Feel free to reach out!

“Good people, better ideas, a more connected world.”