Lenny Hendrawati

Application Scorecard development for top local banks

• Develop robust more than 10 credit scoring models for mortgage, personal loan and credit card at 4 top banks.
• Collaborated with customer, identifying and gathering analytical requirements for customer, product and projects needs.
• Analyze system information debtor data (SLIK) to build customer segmentation.
• Build data review and project parameter that contains data availability and quality, definition of project parameter and segmentation.
• Build roll rate analysis to determined good bad definition.
• Scorecard development based on agreed assessment.
• Scorecard monitoring to assess its performance throughout the time using population stability report & performance report.
• Enhance data mining and analytics activities, including model development, implementation, and validation.
• Analyze and assisted the business for improving the end to end underwriting procedure for various loan banking and insurance product such as credit card, mortgage, secured loan, unsecured loan, etc.

Behavior/Collection Scorecard development for top local banks Indonesia

• Developed robust behavior and collection scoring models.
• Assisted the business in formulating portfolio management strategy to improve the portfolio performance and minimize the non-performing loan.
• Helped the business to optimize the preventive and proactive actions in limiting credit loss exposure.
• Help the business to optimize its portfolio with limit increase analysis and other campaign analysis.

Propensity Scorecard development for top local banks Indonesia

• Developed robust propensity scorecard model.
• Determined take up analysis based on pervious customer loan behavior.
• Analyze customer transaction and spending pattern to forecast customer segmentation.
• Helped the business to optimize the offering to potential customer that need certain product.
• Analyze the relation and effect between risk and propensity to maximize the portfolio management and minimize the risk of non-performing loan

Risk actuarial for top insurance company

• Build data review and project parameter that contains data availability and quality, definition of project parameter and segmentation.
• Risk segmentation for loss prediction and risk premium
• Enhance data mining and analytics activities, including model development, implementation, and validation.

• Arrange director schedule for whole week.
• Make a reservation for company event such as hotel, flight, event, etc.
• Translate some Chinese or English document to Indonesia or vice versa.
• Keep a good relationship with some company’s partner.

• Manage monthly project especially for internet banking.
• Manage the whole schedule for development and change request module process including UAT and implementation process.
• Conducted interviews with key business users to collect information on business processes and user requirements.
• Documented business processes and analyzed procedures to align with changing business needs.