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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 - Mar. 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
Mar. 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.
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