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muratmiracg-dev/README.md

Murat Miraç Gedik — Insurance and Banking Risk Analytics

LinkedIn Email GitHub Portfolio

Insurance Analytics Banking and Risk Analytics Business Intelligence SEGEM Certified SPL Level 3, 2 modules passed

Final-year Statistics student building a career in insurance and banking analytics:
pricing and reserving, credit and balance-sheet risk, financial crime, and decision-support reporting.


About

I am a final-year Statistics student at Süleyman Demirel University (graduating June 2027). I combine statistical modelling with insurance and banking domain knowledge: I hold the SEGEM Insurance Technical Personnel certificate and have passed two SPL Level 3 capital-markets licence modules.

My portfolio turns financial and operational data into pricing indications, reserve estimates, risk indicators, explainable models and executive dashboards. The strongest areas are motor insurance pricing and claims reserving, credit risk, Treasury & ALM / IRRBB, and AML/KYC. Running my own e-commerce business for several years taught me to tie analysis to profitability, pricing and operational constraints.

Portfolio transparency: Unless a repository explicitly states otherwise, its datasets and business outputs are synthetic or controlled. They demonstrate methodology, validation, engineering quality and business interpretation, not real customer or institutional data.

🛡️ Insurance
GLM pricing · Chain Ladder · BF · Parametric
🏦 Banking & Risk
Credit Risk · ALM/IRRBB · AML/KYC
📊 BI & Reporting
Power BI · DAX · Excel · SQL
🧠 Analytics
Python · Statistics · ML · SHAP

Featured Projects

Motor insurance executive technical performance dashboard Poisson and Gamma GLMs for frequency and severity, technical premium indication, Chain Ladder and Bornhuetter-Ferguson reserving, and explainable fraud triage with human review.
60,000 policies · 72.2% loss ratio · 0.982 OOT frequency calibration · BF IBNR TRY 160.0M
Credit risk executive control tower 12-month PD model with out-of-time validation, PD-to-score bands, exact Linear SHAP reason codes, a fairness audit and PSI drift monitoring.
48,000 applications · 0.738 OOT ROC AUC · 0.475 Gini · 0.981 calibration slope
Treasury and ALM executive risk overview Repricing and maturity gaps, six Basel EVE shocks without cross-currency offset, NII sensitivity, LCR/NSFR proxies under liquidity stress, and FX hedge analysis for ALCO.
TRY 180B balance sheet · worst EVE loss 13.9% of Tier 1 · combined-stress LCR 94.8%
AML executive overview KYC risk scoring, transaction-monitoring scenarios, behavioural anomaly detection and graph analytics feeding explainable alert triage and human-led case operations.
48,412 transactions · 134 explainable alerts · 98.91% recall · 67.91% precision

🔬 Research: Parametric insurance for solar power plants

TÜBİTAK 2209-A undergraduate research project (in progress). Compares a traditional irradiance-based parametric insurance index with a machine-learning production index for solar power plants in Konya, Niğde, Karaman and Sivas, and measures how much basis risk, the gap between index payouts and actual production losses, each design leaves.

  • Hourly plant-level generation from the EPİAŞ Transparency Platform; NASA POWER and ERA5-Land meteorology.
  • OLS, Ridge and Random Forest production models; basis risk scored with an asymmetric error that penalises under-payment more than over-payment; designs compared at equal premium budget.
  • Sensitivity to the meteorological data source, the training period and the payout trigger.

More Portfolio

Project Primary focus
Pension (BES) Fund Intelligence Peer-relative fund performance, portfolio risk, stress tests, contribution simulations
SME Relationship & Sales Intelligence Customer 360, product propensity, uplift, next-best conversation
Banking Complaint Intelligence & Early Warning NLP on CFPB complaints, topic discovery, statistical early warning
Financial Reconciliation & Controls Engine Bank–invoice–ledger matching, exception management, audit trail
Customer Intelligence, CLV & Churn Prediction Segmentation, CLV, churn, retention analytics
Integrated FP&A, Budgeting & Scenario Planning Budgeting, rolling forecasts, scenarios, Monte Carlo
CRM Sales Analytics & BI Dashboard Executive BI, funnel, pipeline, sales performance
E-Commerce Demand Forecasting & Inventory Optimization Forecasting, replenishment, inventory planning
Enterprise Process Mining & Workflow Optimization Process mining, conformance, SLA risk, capacity simulation
Manufacturing Quality, OEE & Predictive Maintenance OEE, SPC, quality, reliability, predictive maintenance
Geospatial Site Selection & Market Expansion Geospatial scoring and expansion decision support
Cloud & engineering projects
Project Primary focus
Huawei Cloud DevSecOps CI/CD Platform DevSecOps, CI/CD, testing and deployment
Huawei Cloud FinOps Capacity Optimization Cloud cost and capacity optimization
Huawei Cloud Native AIOps & Observability Observability and automated incident response

Skills and Toolkit

Insurance, Banking & Risk Domains

Insurance Pricing Claims Reserving Parametric Insurance Credit Risk ALM IRRBB Liquidity Risk AML KYC

Analytics & BI

Python SQL and PostgreSQL Power BI Excel pandas scikit-learn Tableau

Engineering & Delivery

FastAPI Docker Git GitHub Actions


Experience

Organization Role Period
Social Office (TNC Group Companies) Sales & Marketing Intern Jul–Sep 2026
Arch of Sigma (TNC Group Companies) Information Technology Intern Jun–Jul 2026
Alignerr E-Commerce Data Analyst (contract) Mar–Aug 2026
Albaraka Türk Banking & FinTech Intern (Albaraka Garaj) · Young Development Program Oct 2025–Jan 2026
Monaco Luxe Clothing Founder & E-Commerce Operations Manager (TRY 100K–500K annual revenue) 2020–Aug 2026
Gülcan Metal Sanayi ve Ticaret Sales, Operations & Production Assistant Jul–Sep 2024

Full experience details are on LinkedIn.


Education and Certifications

🎓 Education

B.Sc. Statistics
Süleyman Demirel University
Sep 2023 – Jun 2027 (expected) · Board member, Statistics & Data Science Society

Financial Engineering — online certificate program
Columbia University

🏅 Licences & Certifications

SEGEM Insurance Technical Personnel Qualification — Obtained (Sep 2026)
SPL Level 3 — 2 modules passed; preparation continues
Derivatives Instruments Licence · Private Pension System (BES) — preparation in progress

Professional certificates: Anaconda Python for Data Science · Wolfram Machine Learning Statistical Foundations · CSCMP Demand Planning · NASP Sales Foundations

Programs: KOSGEB Entrepreneurship · Albaraka Garaj · AI & Technology Academy (Technology Entrepreneurship) · Ford Otosan Career & Development Week · OSD Automotive Summer Camp

Languages: Turkish (native) · English (professional working proficiency)


Contact

Open to insurance, banking, risk and BI analytics internships and graduate opportunities.

Email LinkedIn

Pinned Loading

  1. motor-insurance-pricing-claims-reserving-platform motor-insurance-pricing-claims-reserving-platform Public

    Portfolio-grade motor insurance analytics platform for technical pricing, claim frequency/severity, loss ratio, reserving, IBNR and human-controlled fraud triage using Python, SQL, Excel and Power BI.

    Python

  2. Banking-Credit-Risk-Explainable-Loan-Decisioning-Platform Banking-Credit-Risk-Explainable-Loan-Decisioning-Platform Public

    Production-style synthetic credit risk decision-support platform with calibrated PD scoring, A-F risk bands, exact Linear SHAP, fairness audits, policy simulation, model monitoring, FastAPI, Postgr…

    Python

  3. aurelia-bank-treasury-alm-risk-control-tower aurelia-bank-treasury-alm-risk-control-tower Public

    End-to-end bank Treasury & ALM platform for IRRBB, liquidity and FX stress testing, NII/EVE sensitivity, maturity-gap analytics, hedge simulation and ALCO decision support.

    Python 1

  4. aurelia-bank-financial-crime-aml-intelligence-control-tower aurelia-bank-financial-crime-aml-intelligence-control-tower Public

    End-to-end AML and financial crime decision-support platform for KYC risk scoring, transaction monitoring, graph analytics, alert triage and MASAK-aligned case governance.

    Python