Said B.

I am a Credit Risk, Data Analytics, and Statistical Modeling professional with 9+ years of experience applying quantitative methods to real-world financial, risk, and business problems. With an engineering background in statistics, finance, and applied mathematics, I combine strong quantitative expertise with hands-on experience in data analysis, credit risk modeling, statistical programming, reporting, and decision-support solutions. I help clients transform complex or unstructured data into reliable analyses, predictive models, dashboards, and actionable insights. Credit Risk & Financial Analytics My core experience includes: • Credit scoring and internal rating models • Probability of Default (PD) and Loss Given Default (LGD) modeling • IFRS 9 / Expected Credit Loss analytics • Model validation, backtesting, and calibration • Credit portfolio segmentation and risk analysis • Stress testing and scenario analysis • Financial econometrics and risk modeling • Portfolio and market risk analytics Statistical & Predictive Modeling I work with a wide range of statistical and machine-learning techniques, including: • Linear and Multiple Regression • Logistic and Probit Models • Generalized Linear Models (GLM) • Panel Data Analysis • Classification and Prediction Models • Decision Trees • k-Nearest Neighbors • Naive Bayes • Clustering and Segmentation • Supervised and Unsupervised Learning Time Series & Financial Econometrics I can support forecasting and financial time-series projects using techniques such as: • ARIMA models • ARCH/GARCH volatility models • Forecasting and trend analysis • Financial and economic time-series modeling Research, Survey & Psychometric Analysis I also assist researchers, students, and organizations with advanced quantitative research, including: • Descriptive and Inferential Statistics • Hypothesis Testing • ANOVA and related statistical tests • Reliability Analysis — Cronbach's Alpha • Exploratory Factor Analysis (EFA) • Confirmatory Factor Analysis (CFA) • Structural Equation Modeling (SEM) • Survey and questionnaire analysis • Research results interpretation and reporting Data Analytics & Business Intelligence Beyond statistical modeling, I can manage the complete analytical workflow: • Data cleaning and quality control • Data transformation and preparation • Exploratory Data Analysis • KPI development • Dashboard creation • Data visualization • Automated reporting • Excel and SAS automation • SQL data extraction and manipulation Tools & Technologies Programming & Data: SAS | Python | R | SQL | VBA Statistical Software: SPSS | STATA | EViews Business Intelligence: Power BI | Tableau | Looker Studio Data & Reporting: Excel | Power Query | Google BigQuery ⚡⚡What You Can Expect⚡⚡ My approach combines: ✓ Strong statistical and quantitative foundations ✓ Professional experience with complex financial data ✓ Clean, reproducible, and well-documented analysis ✓ Clear interpretation of technical results ✓ Reliable communication and attention to detail ✓ Solutions designed around the client's actual business or research objective Whether you need a credit risk model, statistical analysis, predictive model, financial study, automated reporting solution, research analysis, or interactive dashboard, I can help you move from raw data to clear and actionable results. Feel free to contact me to discuss your project, dataset, objectives, and expected deliverables.