HUBERTUS RACHMAN
Schaumburg,IL
Summary
Dynamic Credit Risk Statistical Modeler with extensive experience in end-to-end statistical model development, validation, and execution at Citi Retail Services. Proven ability to leverage consulting expertise alongside analytical, product development, and project management skills to drive significant opportunities for financial institutions. Successfully transformed financial challenges into strategic business opportunities while fostering team collaboration. Recognized for strong problem-solving capabilities, reliability, and integrity in all professional endeavors.
Overview
23
23
years of professional experience
Work History
Vice President
Citi Cards Retail Services, Scoring & Strategic Decision
Schaumburg, IL
05.2012 - Current
- Develop Citi Retail Services Machine learning for Existing Customer Management (ECM) models in 2025
- Main developer of Citi Retail Services Machine Learning Custom Acquisition model in 2024
- Develop and implement the Sears, Home Depot, Retail Private Label, Oil Private Label Collection model
- Directed cross-functional teams to optimize data analytics for customer segmentation and targeted marketing efforts
Senior Enterprise Risk Analyst
USAA, CRO – Enterprise Risk Analytics
San Antonio, TX
07.2011 - 04.2012
- Develop the Enterprise Risk Appetite System which includes risk quantification, aggregation and budgeting processes for CRO - Enterprise Risk Analytics
- Develop the USAA Risk Budgeting framework & Information Security Index(Nov. 2011)
- Conduct correlation analysis for P&C CAT and Non-CAT unexpected losses (Aug. 2011)
- Develop significant improvement on the USAA risk quantification and aggregation processes based on USAA Risk Taxonomy (July, 2011)
Sr. Manager, Risk & Decision Management
AMERICAN EXPRESS Global Network Services
Phoenix, AZ
07.2005 - 07.2011
- Built business plan to increase marketing opportunity for Global Network Services (GNS) business partners
- Develop the tools and the acquisition strategy for GNS partners in Brazil: Bradesco Bank (August, 2009)
- Developed assessment and pre-launch testing Platinum Lending in Malaysia (Maybank)
- Lead the analytical efforts for GNS partner Co-brand product in Belgium (Alpha Card) through Direct Mail Campaign (2007)
Manager, Risk Management
American Express Global Commercial Cards (GCC)
Phoenix, AZ
01.2003 - 07.2005
- Developed underwriting risk decisioning tools to acquire the best corporate clients of American Express Commercial portfolio
- Launched the second generation of Australian, New Zealand & Canada Corporate client underwriting models (May - July 2005)
- Develop and implemented the first generation of Corporate CAS models (Brazil and Mexico) and significantly reduce the POS disruption.
- Develop the first generation of France underwriting model which increases 5% approval rate.
Education
Ph.D. - Agricultural Economics
Oklahoma State University
Stillwater, OK06.2002
MBA - Business Management
Universitas Katholik AtmaJaya
Jakarta, Indonesia01.1995
Bachelor of Science - Veterinary Medicine
Bogor Agriculture University
Bogor, Indonesia01.1989
Skills
- Credit Risk Assessment
- Financial Analysis
- Risk Management
- Statistical & Quantitative Modeling
- Portfolio Management
- Data Analysis
- Reporting & Documentation
- Strong interpersonal skills with diverse stakeholders
- Problem Solving
Accomplishments
- Developed Citi Retail Services Machine learning model for Existing Customer Management using industry best practices, increase 15% approval rate
- Enhanced portfolio credit risk management, reducing defaults by 20%
Recognitions
- The American Express Business-to-Business award winner in 2008
- The 2008 Ambassador Club Award: American Express Business-to-Business
- The 2008 Outstanding Award in Building World-Class Relationship with American Express Partners for Category: Product. June, 2008, Las Vegas, Nevada
Awards
- The American Agricultural Economics Association Travel Grant Award. July, 2002, Long Beach, California
- The United States Department of Agriculture, Rural Business Cooperative Service Research Grant RBS-00-30. Summer, 2000, Washington D.C.