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Mariana Barroso

@marianabarroso

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Junior Credit Risk Modeller with quantitative skills in Python, SAS, SQL and regulatory modelling.

Netherlands

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What I'm looking for

I seek a credit-risk or quantitative analytics role in the Netherlands with regulatory exposure, collaboration with validation/business stakeholders, and growth in PD/modelling responsibilities.

I am a Junior Credit Risk Modeller with a strong quantitative background in mathematics and hands-on experience in credit risk modelling, data analysis, and regulatory frameworks. I have contributed to internal credit grading and Probability of Default (PD) model development, working with feature selection, customer segmentation, score calibration, and model documentation.

I am proficient in Python, SAS, SQL and Excel, and experienced with Pandas, NumPy and EDA; I have supported model explainability and regulatory compliance through collaboration with validation and business stakeholders. My teaching and tutoring background has strengthened my ability to translate complex quantitative concepts for non-technical audiences and to design structured, measurable learning outcomes.

I am motivated to grow within credit risk, quantitative analytics, or risk-focused data roles in the Netherlands and bring practical experience in data extraction, cleaning, technical reporting and stakeholder communication in regulated environments.

Experience

Work history, roles, and key accomplishments

Current

Junior Credit Risk Modeller

Current

Stellantis

Feb 2025 - Present (11 months)

Contributed to development of an internal credit grading model and supported design and implementation of a PD model aligned with IRB standards; performed data extraction, cleaning and EDA, and prepared technical documentation for audit and supervisory review.

Python SAS SQL PD Modeling Data Cleaning EDA

Current

Private Mathematics Tutor

Current

Self-employed

Jan 2013 - Present (13 years)

Delivered one-to-one and small-group tutoring in mathematics and science, developed personalized learning materials, and tracked student progress across multiple educational levels.

One To One Tutoring Curriculum Development Communication

Mathematics Teacher

Escola Secundária Fontes Pereira de Melo

Sep 2022 - Jul 2024 (1 year 10 months)

Taught lower and upper secondary mathematics, designed lesson plans to improve analytical thinking, and supported exam preparation resulting in measurable improvements in national assessment results.

Curriculum Design Lesson planning Assessments Classroom Management Exam Preparation

Education

Degrees, certifications, and relevant coursework

University of Minho

Master of Science, Mathematics Teaching

2019 - 2025

Master's in Mathematics Teaching (3rd cycle & secondary), covering advanced mathematics and pedagogical training for secondary education.

Coursera (Google Professional Certificate)

Professional Certificate, Data Analysis

2023 - 2023

Completed the Google Professional Certificate in Data Analysis focusing on data cleaning, analysis, visualization, and tools such as spreadsheets and SQL.