Gül Timoçin
Advanced Analytics Manager / Sr. Data Scientist
Istanbul
Summary
My abilities as a Data Scientist and Credit Risk Modeling Manager are rooted in a sturdy education in statistics. I began with a bachelor's degree in statistics from Mimar Sinan University. I followed this
with a master's degree in statistics with first place at school. I believe my personality has also played a major role in my ability to succeed in both of my educational life and my career. I am an extremely
responsible, helpful, analytical, data-oriented person and a team player. Even in my personal life I like to look at the data before making a decision. There was nobody I could not get along with in my business life. I care so much about importance of teamwork and cooperation within the team. I explore what I need, I try to improve them.
During my previous work experiences for ten years at Denizbank and Garanti BBVA, I had an extensive range of responsibilities including technical skills such as credit risk modeling, optimizing classifiers, mining data, improving data collection techniques, processing data, customer segmentation, development of core credit risk models, development of innovative models with recent techniques and finding new data sources. I also have the ability to manage the team, planning and team motivation. I am responsible for managing of each step from processing the raw data to the development of the model and from the model until the scores reach to our internal customers. I’m familiar with IRB regulations and developed application and behavioral models which fits IRB regulatory.
As a credit risk modeling manager and a data scientist, I am required to have excellent relationship skills, understanding of algorithms, excellence in Python, SQL, SPSS, and applied statistics. During my ten-year tenure at Denizbank and Garanti BBVA, I applied these skills daily and performed exceptionally at the company. My directors at both banks where I worked were extremely satisfied with my working discipline.
Overview
11
11
years of professional experience
Work History
Advanced Analytics Manager / Sr. Data Scientist
Garanti BBVA
İstanbul
06.2020 - Current
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Managed time efficiently in order to complete all tasks within deadlines.
- Developed strong communication and organizational skills through working on group projects.
- Planning the annual model development strategy, following all
models throughout the year, reporting them to senior
management and BBVA global. - To strengthen existing models by supporting them with new algorithms and data sources,
- Managing model development and model monitoring teams
- Development of core risk models such as application, behavior scorecards.
- Development of Income and Limit Estimator models by using ensemble methods.
- Development of Lifestyle Segmentation models by using
unsupervised algorithms. - Testing model performance both out of time and out of sample
based until deployment and after deployment monitoring of in
used models. - Supporting validation team and audit responses regarding the
entire modeling process. - Enhancing decision making processes with more data driven
infrastructure. - Responsibility for each step from processing the raw data to the
development of the model and from the model until the scores
reach to users. - Monitoring all in use models in the inventory of risk models.
- To analyze relational databases and source data, to gather and analyze large and complex data sets and to draw important conclusions and inferences for the system and to report the outputs of this whole process in order to meet business needs and create value.
Data Science Lecturer
Bahçeşehir University (BAU)
İstanbul
02.2020 - 06.2020
- Used variety of learning modalities and support materials to facilitate learning process and accentuate presentations.
- Mentored and advised students to explore career pathways regarding data science business area.
- Every stage from end-to-end data preparation to model selection was taught both theoretically and practically.
Senior Data Scientist
Denizbank
İstanbul
11.2014 - 06.2020
- Development of Credit Risk Models with an end to end process.
- Utilized advanced querying, visualization and analytics tools to analyze and process complex data sets.
- Worked with stakeholders to develop quarterly roadmaps based on impact, effort and test coordinations.
- Extracted and assessed data from databases to drive improvement of product development and business strategies and processes.
- Assessed accuracy and effectiveness of new and existing data sources and data analysis techniques.
- Development of Retail, Agricultural and SME Loans application
PD models which are compatible with IRB regulatory. - Development of prediction models and decision rules for
factoring. - Optimization of approval ratio and npl ratio in fast channels
such as web, atm, sms regarding credit card applications by
using machine learning algorithms. - Back‑testing regarding IRB Behavioral PD rating models.
- Recalibration of Corporate and Commercial Credits and Large
SME Credits PD models. - Development of Risk Segmentation datamart to determine risk
segment for each customer and testing of process rules. - Development of Default Definition datamart. Testing rule sets
and coordination with the IT team. - Development of LGD datamart. Testing rule sets and
coordination with the IT team. - Retail customer segmentation.
Model Developer
EMPIAR Consultancy
Istanbul
07.2013 - 11.2014
- Working with people in research, modelling, forecasting or
survey design who need to collect, measure, present, analyze
and interpret the results. - Development and using statistical models to track changes in
biological phenomena such as the spread of infectious
diseases.
Account Planning Internship
OMD
Istanbul
07.2012 - 09.2013
- Developed strong organizational and communication skills through coursework and volunteer activities.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Learned and adapted quickly to new technology and software applications.
- Collection of data for development of unit specific account
plans. - Taking a part of researching, planning, executing and managing
of media campaigns, creating and presenting specific
documents such as media plans and strategies decks and other
related functions.
Education
Bachelor of Science - Statistics
Mimar Sinan F.A. University
Istanbul 09.2009 - 06.2013
Master of Science - Statistics
Mimar Sinan F.A. University
Istanbul 09.2014 - 09.2019
Skills
Python
Hobbies
- Reading books (avg +60 books in a year)
- Playing tennis, running, meditation, yoga and pilates.
- Drawing, painting and visiting museums and exhibitions.
- Spending time with my beloved dog.
Accomplishments
After verbal and written interviews, I finished the data science school, which I was entitled to enter, with a successful project.
Data Science School in Denizbank
via Accelera.
Timeline
Advanced Analytics Manager / Sr. Data Scientist
Garanti BBVA
06.2020 - Current
Data Science Lecturer
Bahçeşehir University (BAU)
02.2020 - 06.2020
Senior Data Scientist
Denizbank
11.2014 - 06.2020
Master of Science - Statistics
Mimar Sinan F.A. University
09.2014 - 09.2019
Model Developer
EMPIAR Consultancy
07.2013 - 11.2014
Account Planning Internship
OMD
07.2012 - 09.2013
Bachelor of Science - Statistics
Mimar Sinan F.A. University
09.2009 - 06.2013