Mr. James Xigui Zheng joined Lexin as our chief financial officer and our director in January 2023. Prior to joining us, Mr. James Xigui Zheng served as the chief financial officer of Lufax Holding Ltd (NYSE: LU) from December 2017 to May 2022. He has served as the chief financial officer of Shanghai Lufax Information Technology Co., Ltd. (formerly known as Shanghai Lujiazui International Financial Asset Exchange Co., Ltd.) from August 2014 to December 2017. Mr. Zheng served as a senior consultant at Accenture (formerly known as Andersen Consulting) from 1992 to 1994. From 1994 to 2000, Mr. Zheng held various positions at U S West Inc. MediaOne (now part of Comcast) and U S West Communications (now part of CenturyLink). Mr. Zheng joined eBay Inc. in May 2000 where he served various senior management positions, including chief financial officer and chief operation officer of eBay China from August 2003 to July 2005 and the chief operating officer of PayPal China from July 2005 to August 2007. Mr. Zheng served as the president of Beijing Kaituo Tianji Information Technology Limited Company from August 2007 to March 2010. He subsequently joined Shanghai Fosun Hi-tech (Group) Co., Ltd. where he was the deputy chief financial officer of the group from May 2010 to August 2012, and the chief executive officer of JOY.CN from August 2012 to September 2013 and the managing director of Fosun Capital from September 2013 to August 2014. Mr. Zheng obtained his MBA degree from the University of Denver in June 1992. He is a certified public accountant in the State of Colorado.

Mr. Arvin Zhanwen Qiao has served as our chief risk officer since December 2023, and as our director since March 2024. Mr. Qiao has over a decade of experience as a senior leader in risk management space at a top-tier consumer finance company in China. Prior to joining Lexin, Mr. Qiao served as a senior director at Ant Group and deputy general manager of Chongqing Ant Consumer Finance, where he joined in April 2012, responsible for risk management for Chongqing Ant Consumer Finance. Mr. Qiao has deeply involved in the entire process of building and iterating Ant Group's consumer credit risk management system, with his extensive experience in building risk management teams, innovating risk management technologies, and managing consumer credit risks. In 2022, he was appointed as Deputy General Manager of Chongqing Ant Consumer Finance Co., Ltd., supervising the overall risk management for Ant Consumer Finance in Chongqing. Since 2015, Mr. Qiao had assumed the responsibilities of risk management of consumer credit businesses such as Huabei and Jiebei products. prior to that in 2012, he started to be responsible for quantitative risk management of Taobao credit loans. Mr. Qiao received his bachelor's degree in computer science and technology from Zhengzhou University of Light Industry in 2008 and his master’s degree in statistics from Zhejiang Gongshang University in 2011.