As a Credit Policy Analyst, I possess skills and a keen interest in data-driven projects focused in delinquency indicators. In my daily work, I specialize in conducting clustering studies, leveraging machine learning algorithms to segment real estate agencies based on performance indicators.Among the hard skills that are part of my professional routine, I have experience in Python and R for data processing and analysis, with a focus on extracting insights, statistical analyses, and, more specifically, impact evaluation and machine learning algorithms. To produce dynamic reports and visualizations, effectively communicating results, I have proficiency in Business Intelligence tools such as Power BI, Google Data Studio, Excel, and others.Furthermore, my background as a Ph.D. candidate in Economics ensures my strong competence in data analysis, particularly in statistical analysis, econometrics, and causal inference (impact evaluation). This empirical economist's foundation enables me to identify relationships among variables within datasets, interpreting them from an economic analytics perspective.