Python for Quantitative Finance: From Data Cleaning to Credit Risk
Oct 2026
Practical guide on vectorized pandas operations, debt ratio calculations (DTI, PTI), and churn and credit risk model calibration.
Hello, I'm Emilio Luna
IT Business Analyst and Technical Lead delivering technology solutions for insurance and financial operations at Nissan Renault Finance Mexico. Skilled in requirements management, data analysis, SQL, Python automation, executive reporting, system integration and data migration. Currently pursuing a Master's degree in Data Science and Artificial Intelligence.
9+ Projects
29+ Skills
6 Roles
About Me
Building something great, one line of code at a time
Skills & Technologies
Technologies I work with to bring ideas to life
Machine Learning
ai & ml
Generative AI & LLMs
ai & ml
Predictive Modeling
ai & ml
Requirements Management
business
ServiceNow & CMDB
business
ITIL & SDLC
business
Jira & Azure DevOps
business
Power Automate
business
Microsoft Azure
cloud
AWS
cloud
Firebase
cloud
REST & SOAP APIs
cloud
SQL
data & bi
Power BI
data & bi
Tableau
data & bi
Advanced Excel
data & bi
Executive Reporting
data & bi
Snowflake
database
SQL Server
database
MySQL
database
MongoDB
database
Apache Spark
database
Python
programming
pandas
programming
scikit-learn
programming
R
programming
JavaScript
programming
Node.js
programming
Git
programming
Featured Projects
Some of my recent work and contributions
Data Science Portfolio (18 end-to-end projects)
Retention, credit risk, customer analytics, time series, generative AI and data governance projects with public data, interactive charts, full code and Python running in the browser.
Churn with economic value
Who will leave, how much retaining them is worth, and what share of the portfolio is worth contacting.
Credit origination scorecard
Traditional scorecard with WoE / IV, points, KS, Gini and a cost-based cutoff policy, with an interactive cutoff simulator.
Collections: probability of payment after delinquency
Prioritizing past-due accounts by probability of cure under call-center capacity, compared with the days-past-due rule.
Fraud detection: anomalies vs. supervised
Autoencoder and Isolation Forest without labels against supervised boosting, under an alert budget.
RAG assistant over financial regulation
Retrieval of Mexican financial regulation articles with BM25, embeddings and hybrids, and answers with citations.
Text-to-SQL: business questions in natural language
An LLM translates questions into SQL over the data warehouse, executed in a whitelisted sandbox without PII.
Car sales forecast in Mexico
Official INEGI series via API: five models, walk-forward validation and forecasts with prediction intervals.
Bio-inspired lab: PSO and genetic algorithms
Live particle swarm simulator and nature-inspired alternatives tested against honest baselines.
Work Experience
My professional journey
Recognitions & Awards
Achievements along the way
Google Data Analytics Certificate
INCYTEA Hackathon - Real-Time Incident Reporting App
INCYTEA
Mar 2023Base Bank Hackathon - Finalist (4th place)
Base Bank
Nov 2022Etsy Talent Network Hackathon - 3rd place, Accessibility
Etsy
Oct 2022International Collegiate Programming Contest (ICPC) - Regional
ICPC
Jan 2022Latest Articles
Thoughts on development and technology
Let's Connect
I'm always open to discussing new opportunities and ideas