Summary
Overview
Work History
Education
Skills
Projects
Timeline
Generic

David Bezhanyan

Pasadena,CA

Summary

Equipped with a robust 13-year background in the banking sector and a progressive specialization in Business Analytics from UC Riverside, my foray into predictive modeling, data mining, and advanced statistical analyses has rendered my skill set increasingly versatile, priming me for success across a variety of data-centric environments.

Overview

14
14
years of professional experience

Work History

Head of Large Business Management Division, Credit Department

INECOBANK CJSC
08.2019 - 08.2023
  • Developed and implemented strategies to grow the division's loan portfolio resulting in portfolio increase of 20%
  • Collaborated with other departments, such as IT and marketing, to ensure a coordinated approach to client management.
  • Implemented bank's POS terminal workflow optimization project which increased revenue from terminals by 40% and significantly reduced the installation processes.
  • Optimized commercial lending procedures by introducing customer ranking platform based on analysis of customer data points
  • Reviewed and analyzed customer feedback to suggest customer success enhancement programs
  • Initiated and implemented business financial leasing product which became the third largest in Armenia with the value of $30 million
  • Analyzed financial statements of large borrowers, evaluated financial ratios, assigned risk ratings
  • Supervised a team 7 of managers and associates, set performance targets, provided guidance and training
  • Managed relationships with large corporate borrowers, identified business opportunities, and negotiated deals to bring in new businesses
  • Presented loan applications to the credit committee's approval, reported to the executive head of credit department and the CEO.
  • Ensured compliance with relevant regulatory requirements and bank’s policies.

Manager, Senior Manager and Chief Manager at Large Business Management Division

INECOBANK
06.2014 - 08.2019
  • Attracted potential corporate clients
  • Identified clients' needs through negotiations and offering appropriate products
  • Analyzed corporate clients' financial statements, evaluating financial ratios
  • Prepared resumes and analysis for the credit committee
  • Presented clients' loan application to the credit committee
  • Monitored quarterly, semi-annual and annual financial conditions of borrowers.

Head of Branch Loan Department

INECOBANK
06.2013 - 06.2014
  • Managed the work of the department
  • Oversaw loan officers and support staff to ensure efficient and effective loan processing and underwriting
  • Established relationships with customers and business partners to drive loan origination and growth
  • Managed loan pipeline and ensured loan closings are completed in a timely and efficient manner
  • Developed and implemented loan officer training programs to ensure loan officers have the necessary skills to originate and underwrite loans effectively.

Loan Specialist at a Branch

INECOBANK
02.2010 - 06.2013
  • Attracted new business clients through negotiations, worked on processing and underwriting loan applications to ensure compliance with lending policies and procedures
  • Collected and analyzed financial statements and supporting documentation, including collateral valuations, to determine creditworthiness and risk level
  • Presented loan applications to the credit committee
  • Provided disbursement of loans and further monitoring
  • Facilitated daily cooperation with customers.

Education

M. S. Business Analytics - Concentration in Finance

UC RIVERSIDE
Riverside, CA
12.2024

B. A. Economics -

Armenian State University of Economics, Management Faculty
Yerevan, Armenia
01.2009

Skills

  • SQL
  • R Programming
  • Julia Programming
  • Python Programming
  • Exploratory Data Analysis
  • Predictive modeling
  • Business Planning
  • KPI Tracking

Projects

Predictive modeling of hotel cancellations. Developed R code to clean, subsample, and balance the data using the SMOTE (Synthetic Minority Over-sampling Technique) function, as well as built predictive models (Logistic Regression, Random Forest, KNN) on a comprehensive dataset sourced from a resort hotel with a total of 40,000 observations.

Customer churn prediction in the telecom industry. Addressed missing values, corrected data types and handled outliers. Conducted exploratory data analysis (EDA) using Python libraries such as Matplotlib and Seaborn to visualize data and identify patterns. Created new features, standardized numerical features, and encoded categorical variables to enhance model performance. Split the data into training and testing sets, and built multiple machine learning models, including Logistic Regression, Random Forest, Gradient Boosting and Neural Networks evaluating them using metrics like accuracy and ROC-AUC. Interpreted model outputs to identify key drivers of churn, communicated findings through visualizations, and provided actionable recommendations for reducing churn.

Timeline

Head of Large Business Management Division, Credit Department

INECOBANK CJSC
08.2019 - 08.2023

Manager, Senior Manager and Chief Manager at Large Business Management Division

INECOBANK
06.2014 - 08.2019

Head of Branch Loan Department

INECOBANK
06.2013 - 06.2014

Loan Specialist at a Branch

INECOBANK
02.2010 - 06.2013

M. S. Business Analytics - Concentration in Finance

UC RIVERSIDE

B. A. Economics -

Armenian State University of Economics, Management Faculty
David Bezhanyan