Data professional with 10+ years of experience in analytics, machine learning, experimentation, and data product development across fintech, insurance, and e-commerce. I enjoy turning messy business problems into practical, scalable solutions — whether that’s building risk and fraud models, designing A/B tests, automating ML workflows, or creating data products that drive real business impact. My work has helped improve revenue, optimize operations, and prevent fraud at companies like Traveloka and JULO. I’m hands-on, business-oriented, and comfortable working independently in remote environments while collaborating closely with cross-functional teams. Strong in Python, SQL, statistics, experimentation, and machine learning, with a focus on building solutions that are both technically solid and practical for business needs. Currently open to remote freelance and contract opportunities in data analytics, data science, and analytics engineering.…

Theo Ariandi

Data professional with 10+ years of experience in analytics, machine learning, experimentation, and data product development across fintech, insurance, and e-commerce. I enjoy turning messy business problems into practical, scalable solutions — whether that’s building risk and fraud models, designing A/B tests, automating ML workflows, or creating data products that drive real business impact. My work has helped improve revenue, optimize operations, and prevent fraud at companies like Traveloka and JULO. I’m hands-on, business-oriented, and comfortable working independently in remote environments while collaborating closely with cross-functional teams. Strong in Python, SQL, statistics, experimentation, and machine learning, with a focus on building solutions that are both technically solid and practical for business needs. Currently open to remote freelance and contract opportunities in data analytics, data science, and analytics engineering.…

Available to hire

Data professional with 10+ years of experience in analytics, machine learning, experimentation, and data product development across fintech, insurance, and e-commerce. I enjoy turning messy business problems into practical, scalable solutions — whether that’s building risk and fraud models, designing A/B tests, automating ML workflows, or creating data products that drive real business impact. My work has helped improve revenue, optimize operations, and prevent fraud at companies like Traveloka and JULO.

I’m hands-on, business-oriented, and comfortable working independently in remote environments while collaborating closely with cross-functional teams. Strong in Python, SQL, statistics, experimentation, and machine learning, with a focus on building solutions that are both technically solid and practical for business needs. Currently open to remote freelance and contract opportunities in data analytics, data science, and analytics engineering.

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Skills

Experience Level

SQL
Expert
Python
Expert
Data Science
Expert
Data Visualization
Expert
R
Expert
Tableau
Expert
ETL
Expert
GitHub
Expert
Power BI
Expert
Microsoft Excel
Expert
Looker Studio
Expert
AWS
Expert
PyTorch
Expert
Docker
Expert
TensorFlow
Expert
Kubernetes
Intermediate
Hadoop
Intermediate
Spark
Intermediate
GitHub CoPilot
Intermediate
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Language

Indonesian
Fluent
English
Fluent

Work Experience

Head of Data Science at Julo Fintech
July 1, 2024 - April 30, 2026
Built and optimized complete suite of Credit Scoring Models used for automated loan approvals/rejections; Developed standardized interactive frequentist and Bayesian experiment design and statistical inference platform using R-Shiny; Standardized and automated machine learning models training, development and deployment flow using MLflow; Created Bad Debt Expense predicted model using stochastic iterative simulation.
Senior Data Manager (Financial Services) at Traveloka
January 1, 2022 - July 1, 2024
Increased consumer lending net-revenue by 21% by increasing approval rate while maintaining default rate by building scalable credit risk and fraud detection models; Scaled up experimentation framework by 500% by implementing reusable statistical analysis and hypothesis testing models; Created fraud network connection model to detect suspected fraudsters and their linked syndicate within user base, preventing ~2M USD fraud loss per year; Built a centralized platform to serve user features with scalable and reusable framework, increasing number of customer features API served by 5x since 2022.
Data Analytics Lead (Insurance) at Traveloka
May 1, 2019 - December 1, 2021
Built and grew a team of analysts; increased gross written premium by 25% through underwriting and pricing optimization; improved take-up rate by 300% via targeted experimentation; developed fraud network detection and a centralized platform with scalable features.
Senior Data Analyst (Insurance) at Traveloka
February 1, 2019 - April 1, 2019
Scaled data tracking implementation by creating flexible tracking schema; contributed to data-driven insights and operational improvements for insurance products.
Business Analyst at Redmart, Singapore
June 1, 2015 - April 1, 2018
Ran weekly cadence with automated KPI reports for different functions (commercial, operations, transport, finance and marketing) using Tableau. Created algorithms for inventory replenishment and warehous e pick path optimization. Developed and simulated pick-to-delivery supply chain model to reduce order-to-delivery lead time with sensitive temperature requirements. Implemented temperature control and predictive model for chiller chamber using R.
Business Analyst at Redmart, Singapore
June 1, 2015 - April 30, 2018
● Run weekly cadence with automated KPI reports for different functions such as commercial, operations, transport, finance and marketing using Tableau ● Created algorithms for inventory replenishment and warehouse pick path optimization ● Developed and simulated pick -to-delivery supply chain model to reduce order-to-delivery lead time with sensitive temperature requirement ● Created temperature control and prediction model for chiller chamber using R

Education

Bachelor of Science in Mathematical Sciences at Nanyang Technological University
August 1, 2010 - December 1, 2013
Master of Science in Supply Chain Management at National University of Singapore
August 1, 2014 - August 1, 2015

Qualifications

NTU President Research Scholar
January 1, 2014 - December 31, 2014
UNICEF Junior Ambassador
January 1, 2009 - December 31, 2009
Silver Medal, Indonesian Science Olympiad in Mathematics
January 1, 2009 - December 31, 2009
Bronze Medal, Singapore Mathematics Olympiad, Open Section
January 1, 2009 - December 31, 2009

Industry Experience

Financial Services, Travel & Hospitality, Software & Internet, Professional Services, Media & Entertainment, Other
    paper Automated Machine Learning Model Training & Logging Using MLFlow

    Designed and implemented an automated end-to-end machine learning training and experiment tracking pipeline using MLflow, enabling reproducible model development, centralized experiment logging, and streamlined deployment workflows. The project automated key stages including data preprocessing, model training, hyperparameter configuration, metric evaluation, artifact/version tracking, and model registration, improving scalability, consistency, and monitoring across the ML development lifecycle while reducing manual operational effort.