At Skyro, I use lending and transaction data to improve risk and profitability. I ran a 0% down-payment experiment that increased take-up by 45% and recalibrated PD cutoffs, reducing FPD7+ by 4% while increasing NPV by approximately PHP 1M per month.
Previously at Plata, I built Snowflake, dbt, Tableau, and Superset reporting layers for investments, marketing, mobile, operations, and compliance. Across 4+ years in analytics, including fintech lending, payments, and investments, I’ve worked on funnels, retention, A/B tests, credit risk, financial planning, and data-quality improvements.
