Katerina

KATERINA LAZARENKO
RISK DATA ANALYST | RISK TEAM LEAD
[открыть контакты](см. выше в блоке «контактная информация») | [открыть контакты](см. выше в блоке «контактная информация») | @katrin_laze

PROFESSIONAL SUMMARY
Risk Data Analyst and Risk Team Lead with 3+ years in fintech risk and a strong finance and accounting background.
Experienced in short-term installment lending, microcredit, leasing, and leaseback. Uses Python and SQL to investigate portfolio
and operational issues, identify root causes, and translate findings into scoring rules, credit-limit policies, antifraud controls, and
scalable processes. Works with large raw datasets, APIs, and applied modeling methods - including binning, decision trees, and
XGBoost - to support interpretable decisioning.
CORE EXPERTISE
Python & SQL Analytics | Credit Risk Analytics | Decisioning & Scoring Rules | Credit-Limit Policy | Portfolio & Funnel Monitoring |
Ad Hoc & Root-Cause Analysis | Antifraud Controls | Risk Process Design | API Integration | Team Leadership
PROFESSIONAL EXPERIENCE
MOGO LTD 2025 - Present
Risk Data Analyst / Risk Team Lead
• Lead risk analytics and coordinate risk workstreams for leasing and leaseback products, translating business priorities into
analyses, controls, and decision rules.
• Design, test, and maintain automated decisioning/scoring rules and credit-limit policies; establish risk processes and
monitoring workflows from the ground up.
• Monitor credit-funnel and operational indicators, including customer verification, automated security screening, and
automated collateral valuation.
• Perform ad hoc and root-cause investigations, explain performance gaps, and turn findings into practical corrective actions.
• Develop controls for internal and external fraud and use Python, SQL, third-party APIs, and high-volume raw data to support
risk decisions.
FINHIKE 2023 - 2025
Risk Data Analyst
• Conducted credit-risk analytics for short-term installment lending and microcredit across acquisition, verification, decisioning,
and portfolio performance.
• Researched, developed, and monitored pre-scoring, scoring, and antifraud rules for automated decision systems.
• Analyzed credit-limit policies, portfolio quality, and funnel metrics to identify performance drivers and improvement
opportunities.
• Delivered ad hoc and root-cause analyses and processed large volumes of raw and external API data using Python and SQL.
• Applied binning, decision trees, and XGBoost to identify predictive patterns and convert them into interpretable risk rules.
TECHNICAL SKILLS
Python: Python 3, pandas, scikit-learn, XGBoost
SQL: PostgreSQL, MySQL, Microsoft SQL Server (MSSQL), Snowflake, ClickHouse
Risk & Data: Decision trees, binning, scoring/pre-scoring, antifraud analysis, data analysis and visualization, REST APIs,
Django ORM, raw and semi-structured data
Tools: Excel (PivotTables), Git, Jira; Power BI (working knowledge)
EARLIER FINANCE EXPERIENCE
OA BBP LTD 2017 - 2021
Consulting Accountant
SOFT INDUSTRY LTD 2013 - 2017
Lead Accountant
ETALON INC. 2010 - 2013
Accountant / Finance Officer
EDUCATION
CHERNIHIV STATE TECHNOLOGICAL UNIVERSITY 2007 - 2012
Specialist Degree in Finance and Credit
LANGUAGES
Ukrainian - Native | English - Upper-Intermediate