Open to Opportunities

Data Scientist &
Credit Strategy Professional.

Bridging the gap between advanced predictive analytics, scalable ML architecture, and cross-functional business execution.

Drawing on over a decade of experience across banking, insurance, and tech manufacturing, I specialize in applying cross-industry predictive frameworks to engineer modern credit and growth strategies. With expertise in Python, Databricks, and SQL, I design end-to-end analytical pipelines. Beyond the code, I thrive as a strategic bridge—translating complex data models to secure executive buy-in, mentoring technical teams, and partnering directly with marketing and business units to execute highly targeted campaigns.

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Core Competencies

Technical Stack

Python SQL Databricks PySpark VS Code

Data Science

Propensity Modeling Predictive Analytics Feature Engineering A/B Testing

Credit & Strategy

Portfolio Optimization Risk vs Reward Model Governance Product Cross-selling

Leadership

Executive Presentations Stakeholder Alignment Cross-Team Execution Technical Mentorship

Strategic Projects

Case studies demonstrating my ability to navigate complex enterprise data systems, engineer predictive features, and collaborate across teams to optimize business outcomes.

Architecture & Execution

Predictive Framework for Wallet-Share Growth

The Challenge: Traditional credit propensity models rely on static demographic data, missing dynamic financial behaviors.

The Solution: Architected a novel feature engineering framework using transactional data to quantify Share of Wallet and Relationship Depth. Translated these complex technical signals into business strategies for executive stakeholders.

The Impact: Created a scalable blueprint to identify high-value, low-risk clients, partnering directly with Marketing and Business teams to deploy these insights into live Authorized User campaigns.

Python Cross-Functional Delivery Credit Strategy
Enterprise Leadership

ML Lifecycle & Governance Consolidation

The Challenge: Disconnected enterprise data science teams building redundant predictive models, leading to governance risks and wasted cloud compute.

The Solution: Conducted an architectural audit of a proposed propensity model build. Discovered an overlapping model and executed a strategic handover, consolidating custom logic into the central team's production pipeline while mentoring junior analysts on architectural standards.

The Impact: Secured executive buy-in to halt redundant development, eliminated data governance risks, and optimized enterprise ML resources across multiple silos.

Executive Alignment Model Governance
Machine Learning Pipeline

Credit Default Prediction & Risk Stratification

Overview: An end-to-end machine learning pipeline built to predict loan defaults and output risk tiers for new applicants.

Technical Execution: Executed comprehensive data cleaning, handled class imbalances using SMOTE, and trained an XGBoost/Random Forest classification model within a modern workspace environment.

Business Value: Demonstrates the ability to translate raw tabular data into robust, deployed models that protect portfolio health while approving high-quality applicants.

View Code Repository
Databricks PySpark XGBoost