Hire the Best Risk Analysis Freelancers
in Armenia

I build credit scoring and loan default prediction models that help lenders approve more good borrowers, cut losses, and make underwriting decisions they can stand behind. I work in Python, and I focus on models that go into production not prototypes that get shelved. Before Upwork, I spent three years as an in-house Data Scientist at Ameriabank, one of Armenia's largest banks, building forecasting and risk models used in live operations. That experience shapes how I work: I care as much about how a model holds up over time and under review as I do about its accuracy on day one. I usually work with: — Fintech and alternative/SME lenders building or improving credit decisioning — Banks and credit unions that need scorecards built, rebuilt, or validated — Risk and analytics teams that need an extra pair of expert hands What I typically deliver: — Credit scoring and application/behavioral scorecards — Loan default prediction and PD models — PD / LGD / EAD modeling and IFRS 9 ECL work [ADD REAL PROJECT DETAIL] — Model validation, monitoring, and clear documentation — Risk segmentation and lending portfolio analytics — Fraud detection models for lending — Risk dashboards and SQL/Python pipelines that replace fragile Excel reporting Tools I rely on: Python (pandas, scikit-learn, statsmodels), XGBoost, LightGBM, logistic regression, and SQL, with FastAPI and Docker when something needs to be deployed. A few honest signals: Top Rated Plus, 100% Job Success, and $40K+ earned on Upwork. On a recent credit scoring project the client's feedback was simply "Highly recommended," and another noted my "amazing knowledge in ML and DS." [ADD REAL METRIC e.g. Gini/AUC, default-rate reduction, or approval-rate lift] How I work is straightforward: a short scoping call, then a clear plan with an honest estimate, then iterative delivery with documentation your team and any reviewer can actually follow. If something isn't the right fit for me, I'll tell you. Send a short message with your problem, your data, and your timeline. I usually reply within a few hours. The first 15-minute scoping call is free.

I'm an economist and financial analyst — with experience at UBS Asset Management and the Central Bank of Armenia — now working independently. At UBS I built quantitative models for fixed-income credit risk, developed cross-asset macro research, and proposed tactical allocation trades that were incorporated into live portfolios. At the Central Bank I ran econometric analysis on mortgage-level credit data and presented policy recommendations to the Board of Governors. What I actually do: take an ambiguous financial or economic problem, structure it, build the right analysis, and deliver something usable — a financial model, a research note that drives a decision, or a tool that makes ongoing analysis straightforward. I work in Python and Excel, and I write clearly enough that the output doesn't need translation. If you need rigorous financial or economic work done without hand-holding, let's talk.