• Developed and implemented a payment algorithm designed to assess customer creditworthiness based on historic payment statistics.• Following legislative changes in 2023 in Consumer Credit, I led the process to implement and automate new rules and regulations. This initiative resulted in a highly successful implementation with a default rate maintained below 5% to date.• Developed conversion models capable of predicting future loan performance with a mean average percentage error (MAPE) of under 5% over a three-month horizon, enhancing financial forecasting and risk management.• Proficient in managing and utilizing a variety of programming and analytical tools, including R-Studio and Python,. Advanced skills in various spreadsheets, such as Excel and Google Sheets, complement my keen interest in further developing competencies in these areas.• Currently enrolled in night school to advance my finance expertise, with a specific focus on financing, including fixed income and derivatives