ENZE YANG
HONGKONG,New Territories
Summary
Financial and Actuarial Mathematics student at HKUST with a strong commitment to pursuing a long-term career in the actuarial profession. Eager to apply analytical and problem-solving skills to real-world insurance challenges, gain practical industry experience, and contribute to an actuarial team.
Overview
2
2
years of professional experience
Work History
Life Insurance Interest Spread Risk Model
independent project
07.2026 - Current
- Developed a Python-based cash-flow projection model for life insurance business that
reflects interest-rate movements, policyholder lapse behaviour and investment yield adjustments, and projects long-term product profitability. - Applied Vasicek stochastic interest-rate modelling with 1,000 Monte Carlo paths to 1,000 homogeneous policies over a 30-year projection, measuring shareholder NPV, loss frequency, VaR95 and TVaR95 together with the resulting capital injection requirements.
- Stress-tested a low-interest-rate case (long-term mean 1.5% to 0%) and searched annual premiums of CNY 10,000-20,000, selecting CNY 14,000 as the lowest with non-negative average NPV and loss frequency under 5% (3.3% in-sample, 3.0% out-of-sample).
Online Tutor
self-employed
09.2024 - Current
- Provided individualised academic guidance, adapting explanations and study strategies to students' needs while developing communication and problem-solving skills.
Education
Bachelor of Science - Mathematics (Financial and Actuarial Mathematics Track)
The Hong Kong University of Science and Technology
01-2028
Skills
- Programming & Data Analysis: Python (NumPy, pandas), C, basic SQL
- Quantitative & Analytical Skills: Statistical analysis, financial modelling, risk assessment, scenario and sensitivity analysis
- Software: Microsoft Excel, Word, PowerPoint
Timeline
Life Insurance Interest Spread Risk Model
independent project
07.2026 - Current
Online Tutor
self-employed
09.2024 - Current
Bachelor of Science - Mathematics (Financial and Actuarial Mathematics Track)
The Hong Kong University of Science and Technology