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.More...