高沃信息技术(上海)有限公司
Discover Shanghai Analytics Center of Excellence


Discover Financial Services (NYSE: DFS), an S&P 500 company, is a leading direct banking and payment services company with one of the most recognized brands in financial service industry. Discover is one of the largest credit card issuers in the US with network in more than 185 countries and territories. ( www.discover.com/Company )
Our Shanghai Center of Excellence specializes in data-based decision analytics that provide solutions to support our company’s strategy and operations.
With our scientific quantitative tools and leading statistical methods, we impact marketing strategy formulation, risk management, and banking operations for our products and services. We are committed to be the best financial services analytical center in China.

Direct Banking

  • -Credit cards
  • -Private student loans
  • -Personal loans
  • -Checking and savings accounts
  • -Certificates of deposit

Payment Services

  • -Discover Network - credit, debit and prepaid cards
  • -PULSE Debit Network - leading ATM/debit networks
  • -Diners Club International - global payments network
We have a scientific approach when making decisions for business analytics, solving problems, and sustaining growth and profitability. Our main areas of focus are:
Risk Management Make decisions in credit application, portfolio management, pricing strategies, card member engagement and collection strategies.
Marketing Analytics Design the marketing strategies to target right consumers, and promote the right products to the right people at the right time.
Global Network Analytics Provide sophisticated analytical support to network volume growth, merchant activation campaign, competitive network pricing strategy and so on.
Banking Business & Corporate Services Serve the corporate in Banking Business analysis, Model Risk Management, Internal Audit and Finance.