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Patrick Kencana

@patrickkencana

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Data scientist at Bank Mandiri building credit risk monitoring with early warnings and LLM-powered debtor summaries.

Indonesia

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What I'm looking for

I’m looking to apply data science and machine learning to production analytics, especially risk modeling and systems grounded in the data they generate.

At Bank Mandiri, I contribute to an integrated credit monitoring application that connects wholesale debtor data with an early-warning risk model. I also integrate an LLM that summarizes debtor financial statements, risk profiles, and business sector conditions for credit analysts.

In e-Money, I analyzed customer tapping behavior, forecast transaction volumes, and developed rule-based fraud analytics. By tracing top-up failures and contributing targeted debugging and process simplification, I helped reduce failure reports by 50%.

My independent systematic trading research combines Java and Python market-data pipelines with machine learning and time-series methods. I built strategy evaluations using LightGBM and Combinatorial Purged Cross-Validation, and developed a portfolio overlay to manage downside risk.

My engineering foundation comes from autonomous UAV research, including machine vision localization, RTK-GPS, ROS control systems, and electronics research. As part of BAYUCARAKA ITS UAV RESEARCH TEAM, I served as PIC for KRTI 2020, where the team secured first place.

Experience

Work history, roles, and key accomplishments

Current

Manager – Wholesale Data Analytics

Current

PT. Bank Mandiri (Persero) Tbk.

Jul 2026 - Present (4 months)

Contributes to an integrated credit monitoring application with risk modeling as an early warning system, integrates LLM to summarize debtor financials, and builds dashboards for the Board of Directors.

Risk Modeling Large Language Models Data Analysis Dashboard Development SQL Python

Manager – Support Engineer, E-Money

PT. Bank Mandiri (Persero) Tbk.

Oct 2025 - Jul 2026 (9 months)

Delivered data analysis on e-Money operations including customer behavior, TPS forecasting, and fraud detection; resolved server balance anomaly exceeding IDR 50 billion and supported over 50 application migrations.

Data Analysis SQL Fraud Detection Forecasting Project Management System Monitoring

Assistant Manager – Technical Analyst, E-Money

PT. Bank Mandiri (Persero) Tbk.

Oct 2023 - Oct 2025 (2 years)

Performed data analysis on e-Money operations, including customer behavior, TPS forecasting, and fraud detection; contributed to a 50% reduction in top-up failure reports and resolved a server balance anomaly exceeding IDR 50 billion.

Data Analysis SQL Fraud Detection Forecasting System Monitoring Project Management

Officer Development Program (ODP) – Information Technology

PT. Bank Mandiri (Persero) Tbk.

Jan 2023 - Oct 2023 (9 months)

Participated in the Officer Development Program in Information Technology, gaining foundational experience in banking systems and technology.

Lab Assistant

Microelectronics and Embedded System Laboratory

Jan 2020 - Dec 2022 (2 years 11 months)

Assisted in the Microelectronics and Embedded System Laboratory, supporting lab activities and research.

Head of Electronic VTOL Researcher Division & Drone Pilot

BAYUCARAKA ITS UAV RESEARCH TEAM

Jan 2020 - Dec 2022 (2 years 11 months)

Led electronic and hardware research for autonomous UAVs, including localization methods and control systems; coordinated cross-functional team and served as PIC for KRTI 2020 where team secured first place.

UAV ROS Machine Vision RTK GPS PCB Design Team Leadership

Machine Learning Path Student

Bangkit Academy led by Google, Tokopedia, Gojek, & Traveloka

Feb 2022 - Aug 2022 (6 months)

Selected for the Machine Learning cohort from over 50,000 applicants; completed a six-month program in machine learning and AI with additional training in critical thinking and start-up valuation.

Machine Learning AI Critical Thinking MVP planning

Electronic Researcher & Drone Pilot

PT. POS INDONESIA

Oct 2021 - Jan 2022 (3 months)

Developed and produced an autonomous quadcopter for package delivery up to 5 kg, and conducted product launch and technical training.

Drone Technology Autonomous Systems Product Launch Training

Student Internship

PT. PLN UP2D

Jan 2021 - Dec 2021 (11 months)

Assessed the performance of the Master Station SCADA monitoring system and compiled a report; attended technical classes on Disaster Recovery Systems and related topics.

SCADA Disaster Recovery Technical analysis

Electronic VTOL Researcher Division & Drone Pilot

BAYUCARAKA ITS UAV RESEARCH TEAM

Jan 2019 - Dec 2020 (1 year 11 months)

Developed localization methods for autonomous UAVs using machine vision and RTK-GPS, and contributed to electronic and hardware research.

UAV ROS Machine Vision RTK GPS PCB Design

Education

Degrees, certifications, and relevant coursework

Regina Pacis Senior High School

High School Diploma, General

2015 - 2018

Completed senior high school education.

Coursera

TensorFlow: Data and Deployment Specialization, Machine Learning

Completed TensorFlow: Data and Deployment Specialization.

Coursera

Mathematics for Machine Learning Specialization, Mathematics

Completed Mathematics for Machine Learning Specialization.

Coursera

DeepLearning.AI TensorFlow Developer Specialization, Machine Learning

Completed DeepLearning.AI TensorFlow Developer Specialization.

Coursera

Google IT Automation with Python Specialization, Information Technology

Completed Google IT Automation with Python Specialization.

Institut Teknologi Sepuluh Nopember

Bachelor of Electrical Engineering, Electrical Engineering

2018 - 2022

Grade: 3.37 / 4.00

Activities and societies: Courses: Machine Vision, Embedded Electronic Systems, Electronic Instrumentation, Programmable Component Design, Industrial Electronics and Robotics.

Bachelor of Electrical Engineering with a GPA of 3.37/4.00. Final project on autonomous quadcopter landing on a moving object using ROS.