Dr. Joe Guo

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Dr. Joe Guo is the founder and CEO of Quark Finance. After graduating from the University of Science and Technology of China, he went to the US to get a Ph. D degree in Physics from the George Washington University. He also received a MBA degree from the Cornell University.

Dr. Guo has twenty-year experience in risk management and consumer finance business. He held senior positions in global banks and financial institutions in the US and in Asia. As the Senior Vice President at Fleet Bank, Dr. Guo implemented and improved many risk management technologies and built Decision Science capability for its consumer finance business. When he assumed the position of Chief Risk Officer for AIG’s regional consumer finance business, Dr. Guo was in charge of risk management of eight AIG subsidiaries in the Asia Pacific area. While at JP Morgan Chase, Dr. Guo relocated to Beijing as Chief Risk Officer for China and was in charge of setting up the credit card business for JP Morgan Chase’s partner bank in China.

In Quark Finance, Dr. Guo combined the traditional financial service management and the internet technology, to create a brand-new personal financial service platform. Under his leadership, by focusing on the financial needs of consumers and small business owners, Quark Finance destines to be China’s leading platform of personal financial service.