Robert Kovacs

• Redeveloped, Implemented, and Maintained Key Models: Successfully overhauled critical business models, including a comprehensive cash flow forecast model for the entire back book and a dynamic pricing model. Applied advanced modeling techniques such as Markov Chains, Logistic Regression, and Cubic Splines to enhance forecasting accuracy and pricing precision, directly benefiting financial decision-making.
• Developed ML Tools: Designed and implemented machine learning tools, including an auto scorecard tool for feature engineering that adheres to best practices in scorecard development. This tool significantly streamlined the model development process and enhanced team efficiency. Made these available to the wider team, promoting collaborative and consistent model usage.
• Facilitated Database Migration to Azure: Collaborated with the data engineering team to migrate databases from local SQL servers to Azure. Defined variable formats, schemas, and established table relationships, ensuring a smooth transition and enhancing data accessibility and reliability for the organization.
• · Implemented Azure DevOps for CI/CD: Led the adoption of Azure DevOps to streamline project management, version control, and continuous integration/continuous deployment (CI/CD). This implementation improved workflow efficiency, reduced deployment times, and enhanced the overall development process.
• Managed Stakeholder Relationships and Model Enhancements: Effectively managed internal stakeholder relationships, incorporating feedback to add new features to models based on end-user requirements. This responsiveness ensured that models remained aligned with business needs and delivered greater value.

Key Achievement: Revamped critical models, leading to significantly improved forecast accuracy and a direct positive impact on the business's balance sheet.

• CLI Software Development for Web Automation: Developed command-line interface (CLI) tools for automating web tasks using concurrency techniques, including asyncio and threading to enhance performance and scalability.
• Data Engineering: Designed and managed relational (SQL) and non-relational (No-SQL) databases (mainly PostgreSQL and Mongo), ensuring effective data storage, retrieval, and management. Implemented robust database solutions tailored to business needs, optimizing for performance and scalability.
• Data Visualization: Utilized Python libraries and PowerBI to create insightful and interactive data visualizations, transforming complex data into actionable insights for decision-making.
• API Development and Maintenance: Designed and maintained RESTful APIs using frameworks such as Flask (with Gunicorn) and FastAPI (with Uvicorn), ensuring high performance and reliability.
• Server-Side Deployment and Management: Proficient in configuring and managing NGINX for efficient web server operations. Deployed and managed server-side applications on AWS EC2 and ECS using Docker, enhancing scalability and deployment efficiency.
• Infrastructure as Code (IaC): Utilized AWS SAM and Ansible for Infrastructure as Code (IaC), automating and managing cloud infrastructure deployments and configurations.
• Cloud Architecture: Expertise in designing and implementing cloud-based architectures across various platforms (AWS, Azure). Proficient in cloud service management, cost optimization, and security best practices.

Key Achievement: Played a pivotal role in the successful launch and growth of startups, contributing to a significant increase in customer base and revenue.

• Codebase Migration and Re-coding: Migrated a 15,000-row codebase from local infrastructure to Databricks on Microsoft Azure. Re-coded modules in Python using PySpark, transitioning from SAS/SQL.
• Data Quality and Visualization: Developed tools for data quality checks Created data visualizations using PowerBI.
• Training Framework Redevelopment: Redeveloped the parameter training framework, significantly streamlining the process and reducing man-hours

• Portfolio Management and Reporting: Managed the Small Business and Agriculture portfolio, generating model performance reports and leading quarterly review forums with senior stakeholders.
• Scorecard Development: Supported the capital team in creating new scorecards for regulatory capital calculations. Developed macros for dynamic, parameterized model performance testing.

• Reporting and Implementation Support: Reported monthly impairment results to senior stakeholders. Aided in the implementation of new accounting standards (IFRS) as per regulatory requirements.
• System Migration and Finance Support: Played a key role in User Acceptance Testing (UAT) for cloud system migrations.
• Finance Support: Supported the finance team with monthly P&L calculations by providing data and automated reports.