Risk & Data Scientist
Ari Hendrawan
I work in risk development, combining credit-risk modeling with portfolio analysis and reporting automation. I prepare and validate data, compare model results, and turn lending policies into decision rules. I also work with business and IT teams to investigate issues and document the checks behind the results.
Experience
Risk Development
Indonesian multi-finance company
- Prepare and validate credit and portfolio data for risk analysis, recurring reports, and decision-strategy reviews.
- Develop and evaluate credit-scoring models, checking feature availability, generalization, and risk segmentation; document inputs for technical handoff.
- Build portfolio-risk reporting workflows with Polars, Parquet, DuckDB, and Excel/VBA, retaining identifier and mapping traceability.
- Design and test Credit Decision Engine rules, produce monthly scoring and CDE performance reports, and investigate production issues with business and IT teams.
- Develop a repeat-order propensity workflow with agreement-level lineage, temporal validation, and leakage checks. This work remains in development.
Selected work
Portfolio Risk Automation
Built a staged workflow for reusable analytical feeds, reconciliation, and reporting, with mapping checks and contract-level traceability.
Credit Scoring ML
Prepared and evaluated a credit-risk modeling workflow covering feature availability, model comparison, holdout assessment, segmentation, and technical handoff.
Education
Bachelor of Informatics
University of Technology Yogyakarta · GPA 3.32 / 4.00