Resume

Enric Roda

📊 Risk & Data Scientist turning analytics into real business decisions

Experience

BBVA, Madrid, Spain

Risk / Data scientist(09-2023 – present )
 

·       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

Data scientist / Pricing (08-2022 – present )
 

·          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

Data  scientist / risk intern (07-2021 – 09-2021)
 

·        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: 
Provides practical AI strategies to drive innovation and digital transformation.

Risk managment | AFI: 
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)   

·        Data Analysis with Pandas and Python (Udemy)

 

Skills and abilities:

          Python: Pandas, Scikit-Learn, Seaborn, Matplotlib, Django, PySpark…

          SQL, SAS and C#.

          Tableau | Power BI.

          Hardware management and requirements.

          Webscrapping / Online Bots.

Languages:

·         Catalan native.

·         Spanish native.

·         Fluent English (B2).