About me

Hi, I'm Sebastian Gonzalez, deeply interested in risk analysis and a big fan of finance, especially financial markets. Since I was young, I've been fascinated by how technology and finance work together to create new solutions.

I studied Bachelor of Science in Economics, got an MBA, and completed a Postgraduate in Computer and Information Systems. This mix of education has given me a strong foundation in data, finance, and risk analysis.

With over 5 years of experience as a credit analyst, I've developed skills in data analysis, business intelligence, and risk assessment. I've led teams, evaluated creditworthiness, and generated insightful reports using advanced BI tools, SQL, and Python. This has helped me turn complex data into smart business decisions and develop predictive models for loan default risk.

Besides my job, I'm always learning and practicing data science. I aim to become a Risk Analyst, combining my data skills with financial knowledge. I'm passionate about finding hidden patterns in data and making them into actionable strategies.

What I do

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    Data Analysis

    Utilizing advanced data analysis techniques to uncover deep insights and inform strategic decision-making.

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    Machine Learning

    Developing and deploying state-of-the-art machine learning models to address complex challenges and innovate solutions.

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    Risk Analysis

    Applying quantitative techniques to assess and manage financial risks, improving decision-making and reducing potential losses.

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    Data Visualization

    Creating compelling visual representations of data to reveal insights and trends.

Resume

Education

  1. Computer and Information Systems - Data Analytics Specialization

    Douglas College

    2022 — 2023

    Postgraduate Specialization.

  2. Master of Business Administration

    European University of Madrid

    2016 — 2017

    Master's Degree.

  3. Bachelor of Science in Economics

    Andres Bello University

    2012 — 2015

    Bachelor's Degree.

Experience

  1. Data Scientist

    CrowdDoing

    2024 — Present

    Collaborated on backend development using Docker and Supabase, integrating Generative AI and Machine Learning algorithms to analyze and generate insights, proposals, and collaboration opportunities. Managed and processed blockchain data to support the creation of actionable insights, developing backend systems to request and integrate content generated by AI and ML modules.

  2. Credit Risk Analyst

    Autofin

    2021 — 2022

    Created machine learning models with Python to improve credit risk assessments, leading to a 15% drop in loan default rates. Guided a team of junior analysts in reviewing credit applications by analyzing financial documents, cash flow, and credit history. Suggested credit approvals or denials and advised on credit limits and terms after thorough financial analysis. Monitored credit accounts regularly to spot potential issues early and ensure compliance with regulations. Produced credit reports using business intelligence tools to aid in strategic decision-making for the credit manager. Assessed creditworthiness using detailed reports from agencies like Equifax and made recommendations based on thorough analysis.

  3. Data Analyst - Credit Analyst

    TANNER Financial Services

    2018 — 2021

    Worked with sales and operations teams to assess risk and ensure compliance for loan approvals. Performed in-depth financial analysis and risk evaluation for both business and individual credit applications. Recommended credit actions, managed client portfolios, and ensured adherence to regulatory standards. Created insightful reports using Power BI, presented to the credit manager to support strategic financial decisions. Improved reporting processes to enhance the accuracy and accessibility of financial data for team members and management.

  4. Financial Analyst

    BASF Chile

    2016 — 2016

    Managed and analyzed financial data using SAP ERP and Excel, focusing on accuracy in cash flow reporting and contributing to the strategic financial planning. Conducted financial analysis using Excel, including NPV and IRR calculations, to evaluate internal project investments and support strategic decision-making.

Certifications

  1. IBM Data Science Professional Certificate

    IBM

    2023

  2. Generative AI with Large Language Models

    DeepLearning.AI

    2023

  3. Python and Statistics for Financial Analysis

    The Hong Kong University of Science and Technology

    2022

Languages

  1. English

    Full Professional Proficiency

  2. Spanish

    Native

My Skills

    Risk and Credit Analysis

    Credit Evaluation: Credit Scoring • Creditworthiness Assessment • Credit Limit Recommendations
    Risk Assessment: Financial Risk Analysis • Loan Default Prediction • Risk Mitigation Strategies
    Reporting and Monitoring: Credit Reports • Regulatory Compliance • Early Warning Systems


    Data Science and Analysis

    Data Preparation and Cleaning: Data Cleaning • Data Preprocessing • ETL (Extract, Transform, Load)
    Analysis and Statistics: Exploratory Analysis • Inferential Statistics • Data Visualization
    Advanced Analysis: Predictive Analysis • Quantitative Finance


    Machine Learning and AI

    Algorithms and Models: Algorithms (CatBoost, Histogram-Based Gradient Boosting, SVM, XGBoost) • Classification Models • Clustering Models
    Evaluation and Optimization: Evaluation Metrics (AUC-ROC, MAE, Precision, Recall, RMSE) • Feature Engineering • Feature Selection • Hyperparameter Tuning
    Specific Technologies: Computer Vision • Econometric Models • Large Language Models (LLM) • Neural Networks • Natural Language Processing • Time-series Forecasting


    Programming Languages and Frameworks

    Languages: Python • SQL • PHP • Java • C# • JavaScript • MongoDB
    Libraries and Frameworks: NumPy • Pandas • SciPy • Scikit-learn • TensorFlow • Matplotlib • PyTorch • Keras • PySpark • Statsmodels


    Data Management and Visualization

    Big Data & Data Management: Apache Spark • MongoDB • MySQL
    Data Analysis Tools: Tableau • Power BI • Excel
    Visualization and Automation Tools: Plotly • Gradio • Streamlit • YFinance


Portfolio

Contact

Get in Touch

I am always on the lookout for new opportunities and challenges that allow me to apply and expand my skills. If you have an exciting project or simply want to exchange ideas, feel free to reach out. You can find me on LinkedIn, GitHub, Medium, or send me an email - I'm always open to connecting and discussing new ideas!