I am a self-driven PhD currently working as a data scientist lead. I’m focused on credit risk modeling and integrating data-driven decisions into our product to reduce risk and enhance customer experience. With a strong background in statistical analyses, I utilize my expertise across programming languages (SQL, R, and Python). I have excellent communication skills and have been invited to present my research and represent my Universities at senior academic conferences; I have also written a number of well-cited peer-reviewed papers and a textbook currently used in academic curriculum. I am enthusiastic and committed to turning questions into answers using innovative solutions with a commercial approach