Nanda Rizkika Ruanawijaya

I’m a results-driven Senior Data Scientist with 5+ years of experience delivering high-impact machine learning and analytics solutions across banking, fintech, and retail. I build end-to-end ML pipelines for fraud detection, credit scoring, churn prediction, and propensity modeling, with a clear focus on measurable business outcomes.

In my recent work at BukuWarung, I improved Average Daily Visit of sales by 35% by developing an ML-optimized Permanent Journey Plan for field sales teams. I also prevented 47% potential churn for the QRIS Soundbox product using Markov Chain Simulation and a targeted Retention Program, while enhancing loan conversion by 37% through a Loan Propensity Model.

I’ve applied Generative AI to operational challenges as well—developing an AI-powered SQL Assistant that reduced 65% of BAU tasks for business and operations teams. Earlier, at BNI Bank, I implemented an ML fraud detection model that boosted fraud recovery by 65% and reduced false positive investigation costs by 25%, and I built retention models reducing churn by 40% and retaining 80% of at-risk customers.

I enjoy solving complex, real-world problems at scale, and I’m comfortable with advanced statistical approaches and domain-specific modeling. My experience also includes network analysis to reduce concentration risk by 35%, predictive repayment modeling for 10,000+ wholesale clients to cut default rates by 16%, and building automated decisioning components such as an MVP scorecard system for pre-approval limit upgrades.