Hello, I'm
Juan Daniel
Hernandez Vargas
Data Scientist & Specialization Candidate
Providing advanced statistical modeling and data-driven solutions for the Banking and Fintech sectors.
Hello, I'm
Data Scientist & Specialization Candidate
Providing advanced statistical modeling and data-driven solutions for the Banking and Fintech sectors.
I am a Data Scientist currently completing a professional specialization in Statistical Analytics. My background in Biology provided me with a strong investigative foundation, which I now apply to the complex data architectures of the financial world.
I focus on bridging the gap between raw data and strategic decision-making, specifically within Risk Analysis for the Banking and Fintech sectors. I specialize in developing explainable models that reveal the "why" behind behavioral and financial trends.
Beyond my technical pursuits, I am a dedicated problem solver who enjoys diving into data patterns to mitigate risk and optimize ROI in high-stakes environments.
Specialized in probability, regression, and hypothesis testing.
Predictive modeling focusing on Churn and Risk Analytics.
Data-driven solutions specifically for the financial sector.
Decoding complex models using SHAP for business transparency.
Data Scientist specializing in Statistical Analytics & Risk Management for the Banking and Fintech sectors.
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Beta Bank
Identified high-risk segments — older, inactive clients in Germany — enabling targeted retention campaigns. Random Forest + SMOTE delivered the best balance of precision and recall.
Solventa — Technical Assessment
Full credit scoring pipeline with OOT validation, SHAP audit, and ethical AI analysis. Compared Gender-inclusive vs Gender-blind models — only 0.96 pp GINI loss for a fairer system. Neither external vendor outperformed the internal model.
Fasecolda SOAT Data
Exploratory analysis of Colombia's mandatory vehicle insurance (SOAT) claims — accident frequency, claim severity, and regional patterns across departments.
Banca de las Oportunidades
Statistical testing of Colombia's financial inclusion data — evaluating whether rural location and income level are significant predictors of being unbanked.
DANE Encuesta de Micronegocios
Classification model predicting which informal Colombian businesses are likely to access formal credit — directly relevant to fintech lending and financial inclusion.
I am currently open to new opportunities in Data Science and Risk Analysis within the Banking and Fintech sectors. Whether you have a specific inquiry or just want to connect, I'd love to hear from you.