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