David is available for hire
Hire DavidDavid Bilon
Verified Expert in Engineering
Database Developer
Clark, NJ, United States
Toptal member since February 4, 2026
Bio
David is an analytics leader with extensive experience in property and casualty, health, and financial services. He specializes in translating complex business needs into effective data science solutions. With a proven track record in insurance product design, pricing, and risk analytics, David has also spearheaded cross-functional initiatives that align analytics strategy with enterprise goals.
Portfolio
SAS
SAS, Data Modeling, Business Intelligence (BI), Data Analytics...
Aetna
SAS, R, RStudio Shiny, Python, H2O AutoML, Tableau, Data Modeling...
Nationwide
Analysis, R, RStudio Shiny, SAS, Python, Marketing Analytics, Data Scientist...
Experience
- Predictive Modeling - 10 years
- Data Science - 10 years
- Analysis - 10 years
- Generalized Linear Model (GLM) - 10 years
- Modeling - 10 years
- P&C Insurance - 10 years
- Dashboard Design - 10 years
- Data Analysis - 10 years
Preferred Environment
SQL, R, Python, SAS, Data Validation
The most amazing...
...things that I've developed are models that reduced operations time by 18 months.
Work Experience
Senior Systems Engineer
2019 - 2025
SAS
- Delivered strategic consulting and led product demonstrations.
- Spearheaded customer migration from legacy platforms.
- Applied deep industry knowledge to shape account strategies, guide product mix decisions, and tailor offerings to the insurance sector.
Technologies: SAS, Data Modeling, Business Intelligence (BI), Data Analytics, Data Architecture, Data Governance, Data Quality, Data Engineering, Data Management, Microsoft Power Platform, Microsoft Power Apps, Microsoft Power Automate, Data Science, Microsoft Excel, Interactive Dashboards, Microsoft Power BI, Excel 2007, Reports, Microsoft Office, Office 365, Workflows, Data Validation, Data Migration, Data Integrity, Data Integration, ETL, Technical Business Analysis, Solution Design, API Integration, Product Strategy, Business Analysis, Solution Architecture, Technical Product Management, Data Flow Diagram (DFD), Regulated Industries, Diagrams, Stakeholder Engagement, Technical Documentation
Senior Data Scientist
2017 - 2019
Aetna
- Built a real-time budget allocation model to strategically deploy marketing spend.
- Designed and deployed R Shiny applications to empower business users, reducing dependency on technical teams.
- Leveraged cluster computing techniques to accelerate processing and stabilize large datasets during model development.
Technologies: SAS, R, RStudio Shiny, Python, H2O AutoML, Tableau, Data Modeling, Attribution Modeling, Microsoft Power BI, Business Intelligence (BI), Data Analytics, CRM, Data Architecture, Data Governance, Data Quality, Data Engineering, Data Management, Microsoft Power Automate, Marketing Analytics, Data Scientist, Data Science, Microsoft Excel, Interactive Dashboards, Excel 2007, VLOOKUP, Reports, Microsoft Office, Office 365, Workflows, Data Validation, Data Migration, Data Integrity, Data Integration, ETL, Solution Design, API Integration, Product Strategy, Business Analysis, Data Flow Diagram (DFD), Regulated Industries, Diagrams, Stakeholder Engagement, Technical Documentation
Consultant, Actuarial Research Analytics
2016 - 2017
Nationwide
- Led the development of predictive models and actuarial research to support underwriting decisions in the securities litigation insurance market.
- Designed and implemented next-generation predictive models to estimate securities class action risks, empowering underwriters with more accurate insights for new and renewal business.
- Conducted research using large datasets from varied sources to identify trends, assess market risks, and uncover growth opportunities.
- Automated previously manual processes by introducing innovative data categorization techniques, eliminating the need to manually categorize the data, thus clearing an 18-month backlog and achieving 98% accuracy.
Technologies: Analysis, R, RStudio Shiny, SAS, Python, Marketing Analytics, Data Scientist, Data Science, Microsoft Excel, Excel 2007, VLOOKUP, User Acceptance Testing (UAT), Reports, Microsoft Office, Office 365, Workflows, Data Validation, Data Migration, Data Integrity, Data Integration, ETL, API Integration, Product Strategy, Business Analysis, Regulated Industries, Diagrams, Stakeholder Engagement, Technical Documentation
Manager, Marketing Analytics
2012 - 2016
AIG
- Led analytics for P&C profit center, building models and insights that directly informed product redesign and improved marketing ROI.
- Focused on strategic customer analysis, marketing intelligence management, and optimization of marketing efforts to improve profitability.
- Designed reports, predictive models, and business insights to guide product redesign and marketing strategies.
Technologies: Excel 365, SAS, R, Pricing, Marketing Analytics, Data Scientist, Data Science, Microsoft Excel, Excel 2007, VLOOKUP, User Acceptance Testing (UAT), Reports, Microsoft Office, Office 365, Data Validation, Data Integrity, Data Integration, Business Analysis, Regulated Industries, Stakeholder Engagement, Technical Documentation
Senior Marketing Analyst
2011 - 2012
AIG
- Analyzed advanced analytics and modeling, contributing to optimized pricing strategies and performance tracking for marketing initiatives.
- Spearheaded the production and distribution of recurring marketing reports, leveraging OLAP data cubes and Excel to streamline operations and improve reporting accuracy.
- Played a key role in optimizing personal lines pricing by creating coverage-specific GLMs to improve competitive positioning.
- Created an Excel-based rating platform to validate rate plans derived from Generalized Linear Models (GLM), ensuring accurate pricing strategies.
- Led the development of rating platforms and reports that tracked the profitability of marketing and distribution efforts, providing insights for strategic decision-making.
Technologies: SAS, SQL, Microsoft Excel, Microsoft PowerPoint, IBM Cognos, Emblem, VLOOKUP, Reports, Microsoft Office, Office 365, Data Integrity, Business Analysis, Regulated Industries, Stakeholder Engagement
Marketing Analyst
2009 - 2011
AIG
- Performed advanced analytics and modeling, contributing to optimized pricing strategies and performance tracking for marketing initiatives.
- Conducted detailed analysis and reporting of marketing and distribution initiatives, providing insights into revenue generation and profitability.
- Managed data collection and prepared reports that fed into broader strategic marketing and product design efforts.
- Led the development of rating platforms and reports that tracked the profitability of marketing and distribution efforts.
Technologies: Microsoft Excel, OLAP, IBM Cognos, VLOOKUP, Reports, Regulated Industries, Stakeholder Engagement
Underwriter
2007 - 2009
AIG
- Provided tailored property and casualty solutions to clients with complex needs, including unique physical risks, exotic locations, and intricate legal ownership structures.
- Delivered customized property and casualty solutions to high-net worth clients, managing complex risks associated with unique physical properties, exotic locations, and non-traditional ownership structures.
- Provided ongoing support and strategic recommendations to clients, ensuring that policy renewals were handled efficiently and effectively while maintaining long-term relationships.
- Focused on risk assessment, policy customization, and client relationship management to deliver exceptional service and ensure optimal coverage for affluent individuals.
Technologies: Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Regulated Industries
Experience
Insurance Product Design | Shiny Dashboard
Designed and deployed R Shiny applications to empower business users to build product plans and market offerings with scenario-based planning tools, reducing dependency on technical teams and decreasing time to market.
Excel-based Rating Engine
I created an Excel-based rating platform to validate rate plans and pricing derived from Generalized Linear Models (GLM), ensuring accurate pricing strategies. This tool allowed business staff to enter pricing components and validate pricing assumptions quickly, allowing faster time to market with updated model-based pricing.
Education
2014 - 2016
Master's Degree in Predictive Analytics
Northwestern University - Chicago, Illinois, USA
Skills
Tools
Microsoft Excel, Excel 2007, DataViz, Microsoft Power Apps, Microsoft Power BI, H2O AutoML, Tableau, Microsoft PowerPoint, Microsoft Word, IBM Cognos
Paradigms
Business Intelligence (BI), User Acceptance Testing (UAT), ETL, OLAP
Platforms
Microsoft Power Automate, Microsoft Power Platform
Storage
Data Validation, Data Integration, Databases
Languages
SQL, R, Python, SAS, Emblem
Frameworks
RStudio Shiny, Streamlit
Other
Data Science, Analysis, Modeling, Generalized Linear Model (GLM), GBM, Logistic Regression, Predictive Modeling, P&C Insurance, Dashboards, Data Visualization, Data Analytics, Data Analysis, Interactive Dashboards, Data Modeling, Data Architecture, Data Governance, Data Quality, Data Engineering, Data Management, Marketing Analytics, Data Scientist, VLOOKUP, Reports, Microsoft Office, Office 365, Workflows, Data Migration, Data Integrity, Technical Business Analysis, Solution Design, API Integration, Product Strategy, Business Analysis, Solution Architecture, Technical Product Management, Data Flow Diagram (DFD), Regulated Industries, Diagrams, Stakeholder Engagement, Technical Documentation, Dashboard Design, Customer Lifecycle, Insurance Technology (Insurtech), Excel 365, Attribution Modeling, CRM, Predictive Analytics, Pricing
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