Summary
Charlotte J is a Senior Data Scientist based in New York with six years of experience building credit risk and marketing models for major financial institutions. At American Express she led development of next-generation new account underwriting and previously developed machine learning frameworks to assign credit lines across the US lending market. Her background blends production ML, NLP and graph-embedding research—from shipping topic models and SHAP-informed logistic regressions to creating node2vec/DeepWalk embeddings on a 64M-account Twitter graph for published political science work. She pairs strong quantitative training (MS Data Science, BA in Economics & Mathematics) with hands-on engineering: automated SQL/Python pipelines, Flask web apps, and cost-saving DynamoDB migrations. Known for turning complex data into interpretable scorecards and web tools, she brings both production rigor and academic curiosity to high-stakes lending and marketing problems.
6 years of coding experience
4 years of employment as a software developer
Master of Science - MS Data Science, Master of Science - MS Data Science at New York University