Ibrahim Ichsan | Product owner, digital lending and credit risk

Evidence

Discovery to launch

About 3 months

A digital automotive lending product

Acceptance test cases

More than 500

Across lending and donation products

Release readiness checklist

Reused 3 times

Adopted by three further initiatives

Before banking

Chemical engineer

ITS Surabaya. Head of finance, student association

Every number here carries its source and my share in it. Work done at a former employer is described without internal names or documents.

Featured work

See all projects

Written by me, AI-reviewed

CreditFlow Intelligence

Credit decisioning on public Home Credit data: features, a baseline model, calibration and a tested loan mathematics library.

Code · Jupyter Notebook · Active · Updated 2026-11-03

Credit risk · Data and ML

Case study of CreditFlow Intelligence GitHub for CreditFlow Intelligence

A digital automotive lending product, discovery to launch

Turning conditions from business, risk and legal into flows, stories and testable acceptance criteria.

Product work · Complete

Lending product

Case study of A digital automotive lending product, discovery to launch

CFA Institute Research Challenge: Hostelworld Group plc

A revenue bridge showing take rate was the only line that worked. BUY, target EUR 1.56 against EUR 1.17.

Equity research · Complete · Team of four · UCD Smurfit internal round 2026

Equity research

Case study of CFA Institute Research Challenge: Hostelworld Group plc

About

Chemical engineer by training, product owner by trade. I spent my time at the bank on lending, payments and risk technology, and I am now studying financial data science at UCD Smurfit to work where product, data and governance meet.