Michel Piper
Senior Credit Risk Data Analyst @Desjardins
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WORK HISTORY
Senior Credit Risk Data Analyst @Desjardins
Montreal, QC, CA
Responsible for- Team Coaching and supervision- Report approvals- Project management- Data quality controls- SAS/SQL development and automation- adHoc analysis and credit risk reports to internal (top management) and external clients, such as Bank of Canada, Autorité des Marchés Financiers (AMF) and Canada Mortgage and Housing Corporation (CMHC/SCHL)- Monitor credit risk KPI’s (allowance, outstanding balance, exposures, delinquency, default, Impaired, provision, etc.) of retail and wholesale financial products, especially residential mortgages, loans, credit cards and lines of credit in order to provide a precise overview across all entities.Key Achievements- Became an specialist on the new credit data database / platform.
EDUCATION
Federal University of Rio Grande do Sul
Estatístico, Ciências Exatas
SKILLS
ABOUT MICHEL PIPER
PROFILEStatistician with 20+ years of experience in statistical analysis and consulting, including 7 years of experience in Lean Six Sigma methodology, 5 years of experience as Master Black Belt, and 7+ years of experience in Credit Risk analysis and programming (SAS, SQL, SPSS, R, PySpark); An exceptionally well-organized professional, who is able to solve problems and manage multiple projects; High level of interpersonal communication, with ability to establish and maintain effective working relationship with coworkers, managers, and clients; Experienced working in stressful environment, while maintaining a high level of quality and customer service.SIGNIFICANT STRENGTHS• Expertise in statistical and biostatistical analysis, data mining, validation checks, Lean manufacturing and Six Sigma tools, credit score models and credit risk policies, development of bulk process to pre-approval credit and portfolio analysis, and data manipulation via SAS/SQL programming• Personal Skills such as Teamwork spirit, proactive, leadership, attention and accuracy with details, commitment to quality and customer satisfaction, and ability to set and meet timelines• Languages: French (written/spoken), English (written/spoken), and Portuguese (native)TECHNICAL SKILLS• Computer skills: Microsoft Office (Access, Excel, Word, PowerPoint, Outlook), Windows XP / Vista• Strong working knowledge of Statistical softwares, such as R, SAS, SPSS, and Minitab• Programming skills in R, SAS, SQL, PySpark and SPSSMAIN ACCOMPLISHMENTS• Personal loans automatically available to 70% of customers• Default 50% below than similar traditional products• Average customer consumption increased by 80% • Over 500 Lean Six Sigma improvement projects supported • Improvement Projects with gains over 1 million $ • Honorable Mention for the classification among the top five finalists in the competition \"Best scientific initiation work\" through the work: Time series models with Markov switching
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