Frank Bo

Xinyu (Frank) Bo

Who I Am

Understanding business.Turning data into decisions.

I enjoy asking questions, understanding how a business works, and using data to help people make informed decisions. I’m most engaged when I can work closely with others and see how my work makes a difference.

Outside of work

Outside of work, I’m a competitive powerlifter, a Go player, and a music lover. My current goal is to qualify for the Canadian Powerlifting Union National Championships. I like having something to work toward, but I also enjoy exploring unfamiliar places, cultures, and ideas simply out of curiosity.

More about life outside work

My Journey

  1. Growing up in China

    I grew up in China and attended four elementary schools across different cities, including both boarding and day schools. Toward the end of middle school, I felt that an exam-focused education wouldn’t take me where I wanted to go. After discussing it with my parents, I chose a different path: I began an international curriculum in Grade 11 and was later admitted to the University of Waterloo’s Faculty of Mathematics.

  2. Finding my direction at Waterloo

    At Waterloo, my interest in physics initially drew me toward applied mathematics and physics, and I also explored actuarial courses. Through these experiences, I learned that I’m most motivated when I can put ideas into practice, see tangible progress, and make an impact. That realization led me to switch to data science in my second year.

  3. Exploring business through experience

    Along the way, I tried building a startup and took on responsibilities in marketing, management, and customer outreach. My corporate internships then brought me into business intelligence and data analysis, where I found a strong fit for my interests. During my time at Northbridge, I’ve worked with several departments and learned how their teams operate and make decisions.

  4. Where I fit today

    These experiences have clarified what I enjoy most: talking with people, understanding their business challenges, and turning data into useful insights. I value the technical work that makes analysis possible, but my strongest motivation comes from connecting that work to decisions and outcomes.

Education

University of Waterloo crest

University of Waterloo

BMath, Data Science

Minor in Combinatorics & Optimization

Sep 2022 — Dec 2027

Expected graduation: Dec 2027

Selected coursework

  • Regression & Predictive Modeling
  • Algorithms & Data Structures
  • Graph Theory
  • OOP Design
  • C++, Python, R

Beyond the classroom

Strength Club, Tea Club, intramural basketball, and startup projects.

Work Experience

Northbridge Financial logo

Jan 2026 — Present

Northbridge Financial

Advanced Analytics

Work closely with Underwriting and Claims to refine business processes, investigate loss drivers, identify areas for underwriting review, and explore opportunities for pricing improvement and subrogation.

Use data to uncover patterns and provide business leaders with evidence and actionable insights to support their decisions.

  • SQL
  • Python
  • Snowflake
  • Power BI

Business partnership

Collaborate across departments to understand their work and analytical needs.

Cross-team collaboration

Partner with Data Governance, BI & V, Claims, and Underwriting to clarify data definitions, resolve data issues, and develop outputs that meet business needs.

Commercial fire loss analysis

Analyze ten years of commercial fire losses across industries and portfolios. Align loss and premium coverage across underwriting systems, examine loss-ratio trends, and connect losses with exposures to identify areas for underwriting review.

Process improvement

Support SAS decommissioning by replacing SAS data extraction and manual Excel report preparation with SQL queries in Snowflake and automated data processing and report generation in Python. Reduce a multi-step workflow that took a full day to a one-click process that handles special cases and produces the final, fully formatted Excel report in 30 seconds.

Homeowner inspection prioritization

Combine historical claims with in-force policy data to analyze property characteristics, claim concentration, and loss severity. Provide direction to the Risk department on inspection priorities, helping focus resources on high-risk properties.

Swipe across the details or use the arrows · Northbridge

Business meets analysis

Skills & Tools

From understanding a business question to working with the data behind it.

Business & collaboration

Connect people, resources, and delivery.

From request to delivery

  • Clarify ambiguous requests
  • Connect the right people, data & resources
  • Coordinate the work through delivery

Business & market

  • Market Research
  • Pain Point Discovery
  • Client Relations
  • Leadership
  • Product
  • Product–Market Fit
  • KPI Tracking
  • CRM
  • SEO

Data & analytics

From a question to an actionable result.

  1. Frame
  2. Prepare
  3. Analyze
  4. Communicate
  • Experiment Design
  • SQL
  • Snowflake
  • pandas
  • NumPy
  • Regression
  • Classification
  • A/B Testing
  • scikit-learn
  • PyTorch
  • TensorFlow
  • Power BI
  • Report Automation
  • ML Pipelines
  • Azure
  • Git

Programming languages

Put it into practice.

  • Python
  • SQL
  • R
  • C
  • C++
  • Bash
  • TypeScript
  • JavaScript
  • HTML
  • CSS

Away from the desk

Personal Life

Three things I keep coming back to.

01 / Personal stories

Powerlifting

Understanding myself. Finding my pace.

On the platform

After trying more than a dozen sports, powerlifting is the one I’ve trained in consistently for years, and the one where I don’t see a finish line.

I started with more confidence than understanding. I thought I was naturally gifted, trained without much thought, and rarely listened to advice. Eventually, a lower back injury left me struggling to even roll over in bed for months.

As I learned more and began competing, I met people far stronger and more experienced than me. Seeing how quickly others progressed turned that early confidence into self-doubt. I pushed harder to catch up, often beyond what I could recover from, and spent long stretches working hard without moving forward.

Over the years, my biggest gain has been a better understanding of myself. I’ve learned to train with purpose, recognize my own rate of progress, and follow my own pace without letting every comparison change my direction. I can’t control how quickly someone else improves, but I can control how I approach my own training.

Today, training and competing are an integral part of my life, with around 20 hours a week devoted to training and everything around it. Progress is often slow and rarely linear, but it’s still happening. I’m grateful I stayed with it when I doubted myself most. As long as I keep learning and don’t give up, I trust that the overall direction will be forward, even through the ups and downs.

Get in touch

Let’s connect.

Have a role, a business challenge, or an idea in mind? I’d love to hear about it and explore how I could contribute.