Requests
5
Keep in touch with meI'm using Intch to connect with new people. Use this link to open chat with me via Intch app
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.
Intch is a Professional Networking App for the Future of WorkSee more people like Arturo on Intch
300k+ people
130+ countries
AI matching
Get Intch if you'd like to
288908 people
16
General Manager Latam North @ PPRO
18
Procurement Professional
16
Desarrollados de nuevos Proyectos @ Iberia Group Engeneering and Cunsulting SA de CV
20462 people
19
Head, Client Management @ American Express gbt
18
Portfolio Manager| PMO| Engagement Manager @ Volteo Digital
15
Internal Control Sr. Manager @ EXI Operadora Quantum