Mathematics · Data Analytics · Finance

David Zhihao Xu

University of Waterloo Statistics, Mathematics and Finance student building data-driven tools for pricing, operations, finance, and business decision support.

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Applied Math

Advanced Calculus, Applied Linear Models, Optimization, and Monte Carlo Simulation

Python

Pandas, NumPy, SciPy, Statistical Analysis, and Automation

Finance

Equity Research, Valuation Analysis, and Market Research

About

Statistics and finance student focused on practical data systems.

I study Statistics, Mathematics and Finance at the University of Waterloo and focus on turning messy business data into clean, decision-ready outputs. My experience spans data operations, hotel booking analytics, investment research, and Python-based analytics projects.

I am especially interested in data engineering, analytics engineering, and finance technology roles where data validation, SQL/Python workflows, statistical reasoning, and clear communication all matter.

Selected Work

Projects that connect data pipelines to business decisions.

Python · Pandas · Regression · Chart.js

Pricing Analytics MVP

Built an end-to-end CSV analysis workflow that processes transaction data, generates business summaries, estimates pricing opportunities, simulates A/B tests, and renders a decision-ready dashboard.

Processed 100K+ transaction records through a reusable analytics pipeline.
Used log-log regression to estimate price elasticity by category and price tier.
Generated JSON outputs for KPI cards, revenue trends, uplift charts, and recommendations.

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Equity Research · Valuation · DCF

Sportswear Equity Research Pitch

Researched a high-growth sportswear and accessories company using financial statements, valuation multiples, industry benchmarking, and a five-year DCF model.

Analyzed five years of revenue growth, margins, and strategic positioning.
Benchmarked against five major competitors to support an investment thesis.

Skills

Technical foundation for analytics and data engineering work.

Programming

Python, R, JavaScript, C, HTML, CSS

Data & Statistics

Pandas, NumPy, Matplotlib, Linear Regression, Experimental Design, A/B Testing, Data Validation

Tools

SQL, MySQL, PostgreSQL, Excel, Power BI, Git, GitHub, VS Code, PyCharm

Machine Learning & AI

Supervised Learning, Unsupervised Learning, PCA, Generative AI Tools, Model Interpretation

Education

Mathematics background with finance and analytics coursework.

University of Waterloo

Bachelor of Statistics, Mathematics and Finance

Relevant coursework: Linear Regression, Experimental Design, Algorithms and Data Structures, Statistical Data Analysis, Numerical Methods.

Charlottetown Rural High School

Student Council Vice President

Democratically elected to represent a student body of 300+.
Organized the first post-pandemic Winter Formal and a successful Grad Breakfast as Vice President.

Outside the Classroom

Personal habits that keep me curious and balanced.

Basketball

Three years of team competition

2021 Provincial Champion
2023 Provincial Champion

Travel

Learning through new places

Traveling keeps me open-minded. I enjoy seeing how different cities, cultures, and routines shape the way people solve problems and make decisions.

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