Hajar MOUNIR

• Built a combined scoring system integrating both credit risk and customer profitability to improve lending decisions. • Developed a logistic regression model (with SMOTE rebalancing and threshold tuning) to predict default probability. • Modeled expected profit per client by incorporating probability of default, interest income, and potential loss (LGD), using a custom profit function. • Conducted a K-Means segmentation of clients based on risk and profitability profiles, identifying three distinct client types and optimizing lending strategies. • Created interactive Power BI dashboards to support business stakeholders in prioritizing credit approvals. • Project demonstrated that a combined strategy significantly increases value creation compared to a risk-only approach.

• Analyzed the structure and lifecycle of financial contracts to support the modeling of DeFi instruments. • Contributed to the architecture of a modular DeFi platform (ACTUS Gateway), improving process standardization and risk transparency. • Explored smart contract structures for financial use cases and participated in the integration of ACTUS models into a decentralized framework.

• Analyzed dynamic pricing strategies and demand segmentation in the railway sector. • Studied price elasticity and revenue optimization to improve occupancy rates. • Gained foundational knowledge in revenue management and strategic pricing decisions.