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I am an experienced Data Management and Data Science professional specializing in Credit Risk, with a proven track record in data manipulation, transformation, credit modelling, and optimisation across financial services. I design and implement highly complex algorithms and programs in statistical contexts and I have a strong background coordinating analytical projects and building monitoring tools and dashboards to inform business decisions. I am confident in transitioning financial-sector skills to sports performance, telecommunications, healthcare and energy to drive commercial impact and operational excellence. I enjoy collaborating with teams to deliver scalable data pipelines, reconcile large datasets, and create clear, actionable insights that support stakeholders and drive strategic decisions.…I am an experienced Data Management and Data Science professional specializing in Credit Risk, with a proven track record in data manipulation, transformation, credit modelling, and optimisation across financial services. I design and implement highly complex algorithms and programs in statistical contexts and I have a strong background coordinating analytical projects and building monitoring tools and dashboards to inform business decisions. I am confident in transitioning financial-sector skills to sports performance, telecommunications, healthcare and energy to drive commercial impact and operational excellence. I enjoy collaborating with teams to deliver scalable data pipelines, reconcile large datasets, and create clear, actionable insights that support stakeholders and drive strategic decisions.

Avelino Picon

Data Scientist, Data Analyst, Project Manager, +1

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I am an experienced Data Management and Data Science professional specializing in Credit Risk, with a proven track record in data manipulation, transformation, credit modelling, and optimisation across financial services. I design and implement highly complex algorithms and programs in statistical contexts and I have a strong background coordinating analytical projects and building monitoring tools and dashboards to inform business decisions. I am confident in transitioning financial-sector skills to sports performance, telecommunications, healthcare and energy to drive commercial impact and operational excellence. I enjoy collaborating with teams to deliver scalable data pipelines, reconcile large datasets, and create clear, actionable insights that support stakeholders and drive strategic decisions.…I am an experienced Data Management and Data Science professional specializing in Credit Risk, with a proven track record in data manipulation, transformation, credit modelling, and optimisation across financial services. I design and implement highly complex algorithms and programs in statistical contexts and I have a strong background coordinating analytical projects and building monitoring tools and dashboards to inform business decisions. I am confident in transitioning financial-sector skills to sports performance, telecommunications, healthcare and energy to drive commercial impact and operational excellence. I enjoy collaborating with teams to deliver scalable data pipelines, reconcile large datasets, and create clear, actionable insights that support stakeholders and drive strategic decisions.

Available to hire

I am an experienced Data Management and Data Science professional specializing in Credit Risk, with a proven track record in data manipulation, transformation, credit modelling, and optimisation across financial services. I design and implement highly complex algorithms and programs in statistical contexts and I have a strong background coordinating analytical projects and building monitoring tools and dashboards to inform business decisions.

I am confident in transitioning financial-sector skills to sports performance, telecommunications, healthcare and energy to drive commercial impact and operational excellence. I enjoy collaborating with teams to deliver scalable data pipelines, reconcile large datasets, and create clear, actionable insights that support stakeholders and drive strategic decisions.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Language

Spanish; Castilian

Fluent

Work Experience

Senior Analyst at Aldemore

September 1, 2024 - Present

Led end-to-end development of an application scorecard for the Access Finance portfolio and built a generic visual analytics tool to present model variables and performance to users and stakeholders, enabling collaborative decision-making on final model selection. Conducted annual IFRS 9 reviews for Commercial Real Estate and Property Development portfolios, including calibration and redevelopment when necessary. Assisted in building Forward Looking Information (FLI) for ECL by calibrating PD. Performed monthly data updates and reconciliations with production data and improved reconciliation visualizations.

Risk Modeler/Validator at Belmont Green

September 1, 2022 - February 1, 2024

Run the monthly ECL IFRS9 BAU; analyze PD, LGD, EAD, Stage Allocation and macroeconomic models. Present analyses to Model Risk governance committees to guide business actions. Analyze new generation Experian Bureau Scores to determine impact on the ECL and select best-fit scores for the Belmont Green Mortgage portfolio. Recalibrate bespoke Behaviour Score using new Bureau Behavior Score. Conduct multiple model validations (impairment, operational, financial and treasury) and maintain an up-to-date model inventory and issue tracker. Support the Risk Model Director in improving risk framework and policies, and prepare analyses for internal and external audits.

Data Analyst / Score Developer at PRA GROUP

August 1, 2019 - August 1, 2022

End-to-end development of collection scorecards to compute probability of paying across multiple collection processes and portfolios. Integrated internal data and external sources (e.g., Equifax) to enhance scoring and improved payment rates in subsequent year. Incorporated new score drivers into portfolio valuation models. Built portfolio-valuation reports to support acquisition strategies in Spain and Norway. Performed macroeconomic analyses to identify key drivers for payment probability and calibrated provability-to-pay models.

Analytical Consultant at Dun & Bradstreet

August 1, 2018 - June 1, 2019

End-to-end development of a UK B2B Credit Rating model, significantly increasing predictive power over previous models. Created a SAS tool for Marginal Information Value Analysis to guide variable selection and grouping for scorecard development. Conducted ad hoc analyses for monitoring scorecards and supported UK methodology updates.

Consultant at 4Most

March 1, 2016 - July 1, 2018

Recalibration of PD model for unsecured lending (credit cards, personal loans, overdraft); maintained and improved PD monitoring tools; performed independent model reviews; developed end-to-end credit scorecards for personal lending to borrowers with low credit profiles.

Analytics Manager / Model Specialist / Credit Scoring Analyst at Mercantil Bank

January 1, 2001 - November 1, 2015

Led ETL processes to support analytical DataMart development. Collaborated with internal customers to provide accurate information and practical business insights. Developed predictive models and scorecards for marketing and risk purposes (purchases propensity, pre-approve scores, etc.). Managed campaigns and supported data-driven decision making across the marketing function.