Lara Çembertaş
Credit Risk Analytics Assistant Specialist- Jr.Data Scientist
İstanbul,Ataşehir
Overview
3
3
years of professional experience
4
4
years of post-secondary education
3
3
Certifications
3
3
Languages
Work History
Credit Risk Analytics Specialist
Denizbank A.S
Istanbul, Istanbul
03.2024 - Current
- Customer Behavior Analysis: Conduct in-depth analyses of both SME and individual customer behavior to understand financial patterns and trends.
- Credit and Debt Relationship: Investigate relationship between credit amounts and debt levels, leading to insights on uncollectible debt percentages.
- Data Tools and Modeling: Use SQL for data analysis and Python for decision tree modeling, providing a robust foundation for predictive insights.
- Policy Transformation: Translate analytical results into actionable policy recommendations, guiding strategic decisions within bank.
SME Credit Policy Specialist
Denizbank A.S
01.2024 - 03.2024
- Rule Set Management: Develop, maintain, and refine comprehensive rule sets governing the eligibility of SME customers for commercial card applications. Continuously monitor these rule sets to ensure they align with current policies and business objectives.
- Approval and Rejection Analysis: Regularly review the reasons behind customer approvals and rejections. By identifying patterns and trends in these decisions, we ensure fair and data-driven outcomes and uncover potential areas for refinement within the rule sets.
- SME Data Analysis: Leverage SQL for in-depth analysis of SME customer data. Our analyses focus on identifying key characteristics, behaviors, and trends among SME applicants, providing actionable insights that inform rule set improvements and customer strategies.
- Rule Set Optimization: Continuously work to enhance the rule sets based on insights gained from data analysis. The goal is to create a balanced system that optimally serves eligible SMEs while minimizing risk, thereby improving decision accuracy and customer experience.
SME Credit Policy Assistant Specialist
Denizbank A.S
Istanbul, Istanbul
07.2022 - 01.2024
- Procedure Management: Review, understand, and keep procedures up to date as a key part.
- Branch Support: Respond promptly and clearly to inquiries from branches, ensuring accurate and understandable communication.
SME Credit Policy Assistant
Denizbank A.S
Istanbul, Istanbul
11.2021 - 07.2022
- Credit Approval Process Oversight: Ensure thorough understanding of the pre-credit process for SMEs, where customers are first scored before receiving approval or rejection.
- Monthly Score Checks: Conduct monthly reviews to verify the accuracy of scoring, selecting a sample set for detailed analysis.
Education
Mathematics -
İzmir Institute of Technology
İzmir, Urla 01.2017 - 01.2021
Skills
Machine Learning
Python
MS SQL
Excel
Data Analysis
Data Visualisation
Data Manipulation
Certification
Miuul Data Scientist Bootcamp
Personal Information
Date of Birth: 17-11-1998
Timeline
Credit Risk Analytics Specialist
Denizbank A.S
03.2024 - Current
SME Credit Policy Specialist
Denizbank A.S
01.2024 - 03.2024
Miuul Data Scientist Bootcamp
06-2023
SME Credit Policy Assistant Specialist
Denizbank A.S
07.2022 - 01.2024
SME Credit Policy Assistant
Denizbank A.S
11.2021 - 07.2022
Techcareer.net Data Scientist Bootcamp
10-2021
İş Analizi ve Görev Tanımı Eğitimi
03-2021
Mathematics -
İzmir Institute of Technology
01.2017 - 01.2021