Julian Cruz
SHead of Data at Lantern Labs · Credit risk modelling · Python, SQL
- Lantern Labs
- Denver, CO · MT (UTC-7)
- 10+ years experience
- Duke University
- English
Messaging unavailable
Overview
Based in Denver. I lead credit risk modelling at Lantern Labs. Built the risk models now used in 8 product decisions a quarter. Before that: Boeing and Starbucks. Most at home with Python and model governance. Travel slowly, usually by train.
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- Questions about credit risk modelling
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- Courses and coaching offers
- Agency or outsourcing pitches
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Skills
model governancecredit scoringPythonSQLsurvival analysis
Experience
- Head of DataNov 2025 - PresentLantern Labs · 11 mo · Full-time · Denver, CO
- Took the risk models through 4 regulatory model reviews.
- Built the scorecard that lifted approval rates by 4% at flat losses.
- Staff Data ScientistOct 2022 - Nov 2025Boeing · 3 yr 1 mo · Full-time · Denver, CO
- Built the scorecard that lifted approval rates by 11% at flat losses.
- Took the risk models through 5 regulatory model reviews.
- Data ScientistOct 2019 - Oct 2022Starbucks · 3 yr · Full-time · Denver, CO
- Replaced 116 hand-built dashboards with one metrics layer people trust.
- Taught SQL to 32 non-analysts.
- Staff Data ScientistMay 2018 - Jul 2019Spotify · 1 yr 2 mo · Full-time · Denver, CO
- Replaced 53 hand-built dashboards with one metrics layer people trust.
- Wrote the metric definitions the leadership team reviews every week.
- Senior Data ScientistDec 2016 - May 2018Boeing · 1 yr 5 mo · Full-time · Denver, CO
- Built the risk models now used in 9 product decisions a quarter.
References
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Education
- Duke UniversityBS, Operations Research2004 - 2008
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