Eric M.

✔️ I am Eric • I help people improve their work through Data. ✔️ 10+ years of professional experience in Data Science, Big Data, and Credit Risk. ✔️ Worked with top companies like KPMG, DLL, Banco Santander Spain & México, Randstad Technologies, Vueling Airlines, Deloitte, and Atlas Copco Spain. ✔️ Led projects at the University of Zaragoza and the Pan-American Development Foundation. ✔️ Expertise in Credit Risk Modelling, Regulatory Documentation, and Technical Writing for the banking sector. 🚀 HOW I CAN HELP YOU: 💡 Have a complex data-related problem? I’ll solve it for you! 💡 Need raw data cleaned and structured? I’ll handle it! 💡 Want to extract real value from your data? I provide actionable insights and compelling visualizations! 💡 Need predictive or prescriptive models? I develop cutting-edge Machine Learning and AI solutions! 💡 Require banking documentation aligned with regulatory standards? I create precise, audit-ready reports! 💡 Multilingual projects? → I bring 10+ years of experience in translation, proofreading, and technical writing, producing bilingual documentation (English–Spanish & Spanish-English), ensuring accuracy, clarity, and professional polish. 👨🏾‍💻 CREDIT RISK & REGULATORY COMPLIANCE: 📊 Developed +4 IFRS-9/Provisions documents on Definition of Default (DoD), including Distressed Restructuring and Portfolio Segmentation, aligned with EBA & ECB requirements. 📊 Created +5 Credit Risk Modelling Procedure documents for PD, LGD, Ongoing Monitoring, DoD, and Model Change & Materiality to comply with A-IRB regulations. 📊 Led internal banking validation processes for +5 Credit Risk Modelling policies based on European legislation. 📊 Supported +3 credit risk regulatory assessments covering DoD, Governance & Documentation, Data, and Credit Risk Estimates. 📊 Collaborated with regulatory bodies in ongoing IRB model reviews. 📊 Assisted +3 areas (business decision-making, risk management, and regulatory capital estimation) in A-IRB model development. 📊 Facilitated Scrum events for the Documentation & Policies team, streamlining product backlog management, sprint planning, and execution. 👨🏾‍💻 DATA SCIENCE & MACHINE LEARNING: 📊 Managed +6 Data Scientists to develop AI-driven Credit Risk Modelling projects using the IRB Approach. 📊 Transformed +3 business projects into AI & Machine Learning solutions for Credit Risk Methodology teams. 📊 Developed +25 ML algorithms for PD, LGD, EAD, ELBE, and Stress Models under the IRB Approach. 📊 Achieved 75% optimization in model deployment using MLOps frameworks for loans and mortgage risk models. 📊 Ensured 100% documentation, insights, and knowledge retention for AI-driven banking solutions. 👨🏾‍💻 MACHINE LEARNING & STATISTICS: 📊 Regression-Based Learning (Linear, Logistic, RSEs) 📊 Supervised Learning (SVM, Gradient Boosting, Random Forest, KNN) 📊 Unsupervised Learning (PCA, K-Means, Hierarchical Clustering) 📊 Decision Tree Methods (Bagging, Random Forest, Gradient Boosting) 📊 Naive Bayes, Neural Networks / Deep Learning (ANN) 📊 Mathematical Statistics, GLM, GAM, A/B Testing, Time Series Analysis 🛠 TOOLS & TECHNOLOGIES: ✔ Python (PySpark, NumPy, Pandas, SciPy, Scikit-Learn, Matplotlib) ✔ R (tidyverse, dplyr, ggplot2, randomForest, survival, shiny) ✔ SQL (MySQL), NoSQL (Neo4j) ✔ Data Visualization (Tableau, Power BI) ✔ Microsoft (Excel, Word, PowerPoint) ✔ MATLAB, SAS (JMP) 📊👨🏾‍💻 Data-Driven Solutions – Unlock the full potential of your data through Machine Learning, AI, and Credit Risk Analytics. 🚀💡 Regulatory Compliance & Documentation – Ensure regulatory alignment with EBA & ECB standards through expert technical documentation.