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RU@ryandrauser
Actuarial analyst specializing in credit risk modeling and data analysis.
IndonesiaI am an actuarial analyst with a strong foundation in credit risk modeling and financial risk estimation. Currently, I work at PT Internusa Tribuana Citra Multi Finance, where I specialize in probability of default estimation and impairment reserve modeling using Markov Chain analysis. My expertise lies in statistical modeling and financial forecasting, and I am passionate about leveraging data science techniques to enhance risk management strategies.
Throughout my career, I have developed various predictive models and designed templates that streamline actuarial projections. My work has significantly contributed to strategic risk mitigation and informed decision-making within the financial sector. I am dedicated to integrating quantitative analysis with business insights to drive effective financial strategies and improve credit risk assessments.
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Work history, roles, and key accomplishments
PT. Internusa Tribuana Citra Multi Finance
Sep 2024 - Present (1 year 2 months)
Developed Probability of Default (PD) estimation and segmentation models by business sector to support credit risk assessment. Designed Expected Credit Loss (ECL) models in accordance with IFRS 9/PSAK 71 for financial reporting and risk management purposes.
PT. Nexia Indonesia Advisory Service
Jul 2023 - Jan 2024 (6 months)
Developed a Python-based probability of default estimation program, contributing to CKPN (impairment loss reserve) calculations. Supported the development of a functional specification design (FSD) for PSAK 71 and PSAK 74 implementation solutions.
Degrees, certifications, and relevant coursework
PUBachelor of Actuarial Science, Actuarial Science
Grade: 3.54/4.00
Activities and societies: President of Himpunan Mahasiswa Aktuaria Unpad (2022), Vice Head of Department Cadreization (2021), Vice Project Officer Actuarial Fair (2021), President of KPU Himpunan Mahasiswa Aktuaria Unpad (2020).
Completed a Bachelor of Actuarial Science with a GPA of 3.54/4.00. Wrote a thesis on 'Estimation of Impairment Loss Reserve Considering Probability of Default Through Markov Chain Approach'.
IndonesiaYou can contact Ryandra and 90k+ other talented remote workers on Himalayas.
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