Arturo Martinez

Independent Consultant @AML Consultancy

💰 Investor & VC🔥 Startup Founder💸 Marketing✔️ ITBusiness Owner📝 Influencer or Blogger💼 C-level Executive👍 Sales & BizDev🗿 HR⚖️ Legal🐦 Design🧑‍🔬 Engineer🧨 Consulting🎥 Entertainment🏦 Finance🧮 Education🏐 SportsBanking OperationsLecturerBusiness Development ManagerFinancial AnalystPortfolio ManagerFinancial Planner🎓 StudentCFOProduct Consultant

I am a financial professional with over 30 years of experience in Credit Risk Management, Financial Product Development, and leading high-performing teams. Throughout my career, I have successfully developed innovative financial products, implemented robust risk management frameworks, and significantly enhanced portfolio performance and customer engagement. Key Achievements: - Portfolio Management: Managed a $555M USD retail credit card portfolio at El Palacio de Hierro, developing scoring models that increased monthly customer visits by 20% and reduced delinquency rates to below 4%. - Product Development: Created and launched new financial products tailored to specific market segments, driving profitability and meeting customer needs. - Credit Risk Strategies: At Financiera Alcanza, developed and implemented risk strategies and credit policies for personal and auto loans, specifically targeting segments C and D of the population, ensuring profitability and compliance. - Consultancy Excellence: As an Independent Consultant, created tailored credit risk models and policies, leveraging advanced data analytics to drive strategic decision-making and optimize risk management. - Leadership: Over 30 years of experience leading cross-functional teams in dynamic and fast-paced environments, consistently achieving high performance and fostering a culture of continuous improvement and innovation. I am passionate about leveraging my expertise in product development and risk management to drive financial inclusion and innovation. I am excited about the opportunity to connect with like-minded professionals on Intch to share knowledge, collaborate on projects, and build meaningful connections.

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Work Background

FreelanceIndependent Consultant

Oct. 2023Mexico City, Mexico · Hybrid- Develop and implement robust risk management frameworks tailored to business needs. - Conduct comprehensive risk assessments, identifying potential threats and implementing mitigation strategies. - Design and refine credit scoring models, ensuring alignment with industry best practices. - Analyze and optimize portfolio management strategies for enhanced profitability. - Implement data-driven approaches to drive revenue growth while maintaining focus on risk mitigation. - Develop and refine collection and recovery strategies to minimize bad debt. - Collaborate with leadership to create and implement strategic plans for sustainable growth. - Provide expert guidance on product development, market segmentation, and customer acquisition strategies. - Conduct in-depth analyses to identify new revenue streams and business optimization opportunities. - Offer customized training programs to empower teams with the latest industry insights and best practices. - Ensure compliance with relevant rules and regulations within the financial industry. #RiskManagement #StrategicPlanning #RevenueGrowth #ProductDevelopment

El Palacio de HierroCredit Risk Officer and Porfolio Management

May. 2010 - Jun. 2023Mexico City Area, Mexico · HybridLargest high-end department store chain in Mexico. - Managed over $555M USD retail credit card portfolio for a $2.7B USD business. - Developed application scoring models for risk and activation propensity; behavioral models for risk, anti-attrition, and profitability assessment. - Implemented portfolio management strategies for account acquisition, activation, credit and cash limits, and collections based on risk-adjusted income. - Applied champion/challenger methodologies and loan loss reserve modeling (IFRS 9). - Developed statistical analysis and strategies for customer segmentation, increasing the monthly number of visits per customer by 20%, thus boosting portfolio revenue and profitability. - Created new credit products for specific customer segments. - Analyzed and interpreted risk information to identify and monitor key risk exposures and opportunities enterprise-wide. - Maintained delinquency rates lower than 4%, being accountable for the “Bad Debt” and “Income” lines of the Business P&L

Analyse Professional ServicesAssociate Consultant

Mar. 2009 - Apr. 2010Mexico City, Mexico · On-siteFirm specialized in risk and profitability analysis of the financial sector. - Developed a loss-reserves methodology for an auto finance business - Diagnosed and developed quick hits for mortgage loan origination and collections phases for a bank, increasing collection’s results by 30%. - Developed a judgmental application scoring model for a student loan business

Santander Consumer Finance, MexicoChief Risk Officer

Oct. 2007 - Feb. 2009Mexico City, Mexico · On-siteSubsidiary of Santander Consumer Finance Europe division (Banco Santander) for consumer loans - Developed and implemented risk strategies and credit policies for Personal and Auto Loans. - Defined Portfolio Management strategies including credit scoring. - Implemented P&L Tracking and reserving methodology.

GE Money BankPortfolio Risk Manager

Sep. 2003 - Oct. 2007Mexico City, Mexico · On-siteGeneral Electric’s Consumer Bank. - Developed and implemented Risk Strategies and Credit Policies from acquisition to recoveries for Autoloans. - Implemented Credit Scoring Models - Defined and implemented Portfolio Management strategies including P&L Tracking and reserving methodology.

Banamex-CitigroupScoring & Analytics VP

Feb. 1999 - Sep. 2003Mexico City, Mexico · On-site- Developed and implemented credit card strategies (credit line, over limit collections, delinquent collections and authorizations). - Performed segmentation analysis by risk quality for all credit consumer products. - Developed Risk & Profitability assessment at customer level and Portfolio Management strategies.

BBVA BancomerConsumer Risk Management VP

May. 1993 - Aug. 1999Mexico City, Mexico · On-siteMexican banking institution acquired by BBVA. - Developed methodology for evaluation and adjustment of statistical & judgmental credit scoring models for credit cards and auto loans. - Defined and implemented credit policy for all consumer products. - Defined KPI’s for delinquency tracking, expected loss and level of provisions for consumer products.