Enric Roda
📊 Risk & Data Scientist turning analytics into real business decisions
Experience
BBVA, Madrid, Spain
· Responsible for diagnosing and reporting the performance of the small business and self-employed credit portfolio.
· Led the migration from legacy systems (SAS) to Python and cloud infrastructure, creating and automating processes to improve efficiency and ensure compliance with regulatory reporting.
· Created and presented ad-hoc analyses to senior management, interpreting results to shape strategic decisions and risk policies that impacted BBVA’s entire branch network across Spain
· ChatGPT Ambassador in the Risk Department, delivering presentations to the entire department on practical cases, providing assistance, and playing a key role in the AWS migration process.
Zurich Insurance, Barcelona, Spain
· Defined and analyzed risk profiles through data analysis, utilizing loss ratios, risk factors, and competitor performance to support strategic pricing decisions and maintain competitiveness.
· Defined and managed data structures on AWS Cloud, while building and deploying ETL pipelines using Python (PySpark and Pandas) to optimize data processing and integration.
· Improved the renewal model and reduced the loss ratio by 5% through the development and implementation of a Logistic Regression machine learning model.
· Delivering and preparing Python training for the Pricing department.
Oakam Microcredits, London, UK
· Implementing MLflow (machine learning tracking tool).
· Development of a machine learning tool for credit risk.
· Data cleaning and feature selection.
· Exposure to SQL and databases.
Projects
– WhatsApp data analysis and predictive model.
– Virtual assistant with voice commands
– Computer vistion and face recognition .
                                                                                                                 (Github | Linkedin)
Education
Business and technology | Universitat Autonoma de Barcelona
·       Computer Sciences Engineer with an economic background.
·       IT: Coding introduction, AI, Databases, ERP | SAP, Operating Systems, BI, Maths, Statistics…
·       Business:  Finance,  Macroeconomics, International Economics and Development Economics
AI in Business | ESADE:Â
Provides practical AI strategies to drive innovation and digital transformation.
Risk managment | AFI:Â
Master in Risk Management covering financial and non-financial risks, with a focus on regulatory frameworks, strategic decision-making, and practical application in financial institutions.
Online courses:
·       Introduction to Probability and Statistics (MIT Open courseware)  Â
·       Data Analysis with Pandas and Python (Udemy)
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Skills and abilities:
–         Python: Pandas, Scikit-Learn, Seaborn, Matplotlib, Django, PySpark…
–Â Â Â Â Â Â Â Â Â SQL, SAS and C#.
–Â Â Â Â Â Â Â Â Â Tableau | Power BI.
–Â Â Â Â Â Â Â Â Â Hardware management and requirements.
–Â Â Â Â Â Â Â Â Â Webscrapping / Online Bots.
Languages:
·        Catalan native.
·        Spanish native.
·        Fluent English (B2).