Jay Wenjie Xiao, Chairman and Chief Executive Officer of Lexin, said. "In the forthcoming quarters, despite challenges such as macroeconomic volatility and industry shifts, we are implicitly confident in achieving significant year-over-year net profit growth for the full year, supported by our enhanced capabilities, unique advantages in multi-business ecosystem, and substantially improved operational strength and resilience,” he added. Dual-Drive Strategy Fuels Leap in Core Capabilities, Injecting Dynamic Momentum into Performance Growth The financial report shows that Lexin invested RMB 156 million in R&D in Q1, which marks a 15.3% year-over-year increase, maintaining its position as an industry leader.
Powered by the dual-drive strategy of risk control and data management, the company’s underlying capabilities have achieved continuous advancement, driving sustained high-speed performance growth. Lexin has completed a comprehensive upgrade of its risk control system, achieving high synergy between risk management and business operations.
By optimizing credit limits, interest rates, and tenures based on segmented customer demands, Lexin has enhanced its offer competitiveness, significantly boosting user retention and engagement. Lexin’s Fenqile Inclusive Finance, which aims to empower micro and small businesses, actively advances notions of financial inclusiveness and expands into lower-tier cities in Q1.
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