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Ryandra User

@ryandrauser

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Actuarial analyst specializing in credit risk modeling and data analysis.

Indonesia

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What I'm looking for

I am looking for opportunities that allow me to apply my analytical skills in a collaborative environment, focusing on financial risk management and data-driven decision-making.

I 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.

Experience

Work history, roles, and key accomplishments

Current

Actuarial Analyst

Current

PT. Internusa Tribuana Citra Multi Finance

Sep 2024 - Present (10 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.

Probability Of Default (PD)Credit Risk IFRS 9 PSAK 71

Data Science Intern

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.

Python Data Cleaning Financial Modeling PSAK 71 PSAK 74

Education

Degrees, certifications, and relevant coursework

Padjadjaran University

Bachelor 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'.