The finance guy who learned AI.

I'm Eugene Zhang. I don't touch your credit decisions. I build the work around them: change requests, testing, requirements and reporting, inside the systems you already use. Your team signs off every change, and you own all of it.

Where this comes from

I worked on credit decisioning for GCC lenders and banks, across more than 50 products. Once, testing traced a decision nobody could explain to a single stray semicolon in a rule. In production it would likely have approved applicants who should have been declined. It was fixed before go-live. Before that, a Fortune 500 transformation team in Switzerland, and the army.

One wrong rule is a wrong answer for a real person. So nothing I build goes live untested.

How it works

One workflow first, live in your own accounts within two weeks of the day I start, or I keep working free until it is. Then I stay on: a new workflow each month, and the earlier ones kept running.

What I do not do

No platform, no licence, no black box. Every account is in your name. If Bon stopped tomorrow, everything keeps running and any developer can change it.

Who it is for

Lenders, brokers, fintechs and credit bureaus, and the firms that build their credit engines. Wealth managers, family offices and funds share the same data rules. The approach should work there too, but I have not done that work yet.

The work is here, case by case, with where each number comes from.

Bon Labs is a trading name of Zhang & You Holdings Pte. Ltd. (UEN: 202624254H), incorporated in Singapore.