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Leooona User

@leooonauser

Message

I build credit risk strategies and portfolio analytics for auto lending.

Canada

Message

What I'm looking for

I'm looking to deepen my work in credit risk analytics, decision strategy, portfolio monitoring, and risk modeling, using quantitative analysis and automation to improve lending decisions and portfolio outcomes.

At CIBC, I conduct credit risk analysis and strategy monitoring for indirect auto lending acquisitions and collections portfolios. I use segmentation, vintage analysis, delinquency monitoring, and expected-loss analysis to identify emerging risks and optimize credit strategies.

I develop borrower segmentation and assess strategy outcomes using logistic regression, decision trees, rule-path evaluation, scenario analysis, and sensitivity analysis. I also support credit data quality controls and TransUnion variable validation during the Edge Databricks migration.

Previously, I supported risk and P&L controls for CIBC’s approximately $600B Treasury portfolio, using Python and R to improve reporting controls and automate processes that saved more than 400 annual manual hours.

Experience

Work history, roles, and key accomplishments

Current

Consultant, Risk Analytics and Credit Decisioning

Current

Canadian Imperial Bank of Commerce (CIBC)

Sep 2025 - Present (1 year)

Conduct quantitative credit risk analysis and strategy performance monitoring for the Indirect Auto Lending acquisitions and collections portfolio. Lead collection strategy analytics and high-risk exclusion assessment, and support model-adjacent and credit data infrastructure initiatives.

Credit Risk Analytics Portfolio Monitoring Vintage Analysis Delinquency Monitoring Write Offs Segmentation Logistic Regression Decision Trees scenario analysis Sensitivity Analysis Python SQL Databricks TransUnion Data Quality

Sr. Financial Analyst, Treasury Product Control

Canadian Imperial Bank of Commerce (CIBC)

Jun 2024 - Sep 2025 (1 year 3 months)

Supported risk and P&L control processes for a ~$600B Treasury portfolio, ensuring reporting accuracy and control effectiveness. Applied Python- and R-based analytics to identify data quality issues and implemented process automations saving 400+ hours annually.

Python R Data Quality Reconciliations Variance Investigation Process Automation Control Enhancement Financial Reporting Risk Reporting Stakeholder Management

Risk Analyst Co-Op Student, Risk Analytics and Credit Decisioning

Canadian Imperial Bank of Commerce (CIBC)

Jan 2023 - Aug 2023 (7 months)

Supported development, simulation, and monitoring of retail credit decision strategies for indirect auto lending and small business lending portfolios. Applied Decision Tree analysis and borrower segmentation techniques to identify key drivers of delinquency and write-off risk.

Credit Risk Decision Trees Segmentation Python SQL Strategy Simulation Portfolio Monitoring PIV Automation

Education

Degrees, certifications, and relevant coursework

Western University

Master of Financial Economics, Financial Economics

2022 - 2024

Pursued a Master of Financial Economics with coursework in econometrics, data analytics, banking analytics, risk management, and machine learning.

Wilfrid Laurier University

Honours Bachelor of Arts, Economics and Financial Management

2018 - 2022

Activities and societies: Minors in Data Analytics and Financial Math; Dean's Honor Roll; The Peter Sinclair Undergraduate Research in Economics Prize (Runner-Up)

Completed an Honours Bachelor of Arts in Economics and Financial Management with minors in Data Analytics and Financial Math, and received Dean's Honor Roll and a research prize.