Berlin, Berlin, Germany
- Led the design and implementation of the UK Consumer Risk 2025 Model, a next-generation credit scoring system for BNPL and Term Loan products. - Developed predictive models to estimate probability of default (PD) using XGBoost, duration risk overlays, and machine learning techniques. - Incorporated data from credit bureaus, repayment performance, and purchasing behavior to deliver well-calibrated risk scores. - Designed model pipelines in AWS (S3, Lambda, Step Functions) ensuring scalability and automation. - Improved Gini from 59% (legacy models) to 81%, substantially enhancing discriminatory power. - Collaborated cross-functionally with risk, compliance, and product teams to align models with regulatory standards.
- Developed and maintained underwriting decision engines for BNPL products (Pay Later, Financing). - Evaluated external credit bureau data for integration into risk decisioning. - Monitored and optimized product performance across EU markets using data-driven insights. - Coordinated with merchant support teams to align credit policies with commercial requirements.
- Improved SaaS product hy Ecosystem Manager for startup & technology scouting. - Automated data collection via RSS feeds and built machine learning NLP pipelines for news classification and sentiment analysis (spaCy).
- Assisted the director of the department in the selection of the news and supported the creation of the news report of the day. - Extracted insights from the economic indicators and presented the analyses through visualization tools.
- Learned about basic principles of stock exchange market and helped the communication between the angel investors and entrepreneurs.