Carlos is an executive manager with experience in various international contexts in which has had the opportunity to develop dynamic and flexible interaction skills as well as an outgoing and extroverted personality. Carlos is an outcomes-orientated professional who undertakes complex projects and delivers high-quality performance, always focusing on value creation. He is passionate about exponential technologies, start-ups, innovation, and literature. Moreover, Carlos has been able to use his creative skills in ways that have stimulated teamwork and contact with people in the teams he has been involved in. Master's degree in Aerospace Engineering; Master in European and International Business Management at Deusto Business School (Spain), Audencia (France) and Bradford School of Management (UK), and Executive programme in Project Finance at IE Business School.
Facilitate design and structuring of risk and collections department. Supervise high-performance teams regarding portfolio valuation and credit risk modelling. Oversee regulatory expected credit loss calculations and cost of risk management. Define credit and collection policies while ensuring general compliance. Design credit processes and implement recovery strategies. Hire, outsource, and direct key credit and recovery suppliers.Collaborate with product owners during product definition and scheme operations while utilising agile methodology.Led credit risk management functions within device financing project.Established local team and area infrastructure from scratch.Contributed significantly towards bank decision-making team and development of global long-term strategy.
Definition and implementation of a corporate datamart for risk management.
Participation in digital cells as Business Leader representing the corporate risk area and following agile work methodologies.
Creation, management and leadership of the corporate area of Management Information Systems, Data Quality and Forecasting, which will dictate the guidelines to be followed in all countries.
Budget & Stress Testing Solution BNPP Group selected a Planning tool that is able to cover these business needs. The objective of implement this budget tool is to harmonize concepts and principles, guarantee data integrity, rationalize processes and architecture and increase efficiency gains. Budget planning and forecasts covering Liquidity, Profitability, Risk and Solvency indicators will be powered by an integrated platform. Worked closely with IT teams to implement changes and updates based on user requirements and business needs. Assisted in the re-engineering of performance management tools, contributing to improved efficiency and user experience. My role at BNP was both technical and user-centric, focusing on ensuring the tool met the needs of its users and supported business objectives effectively. Skills: Performance Management · Project Coordination
Tracking system Monitoring system which allows the user to visualize the E2E process of files issued by local entities to clients, being able to maintain control over them and to react, if necessary, in order to satisfy the clients’ needs.
Trade Banking Forex Exchange - Foreign exchange hedge Definition of a new pricing model for foreign exchange hedge’s trading (spot, forward, American forward) for the buying process, advances, deferrals and defaults, by offering more competitive prices and according to each client’s needs.
Trade Banking Forex Exchange – Buying / selling currency Definition of a new pricing model for the process of buying / selling currency banknotes between Banco Santander’s branches and Centralized Savings Banks.
Trade Banking Forex Exchange – AutoFX Definition of a model which allows the transactional FX business to evolve in order to improve the service provided to customers, increase market share and make the internal management of operations more efficient, via the development of new services and optimization of current processes.
Landing Gear assembly, configuration analysis to determine interchangeability & development of computerized analysis tool (TK.17-01 and T.17-3 [B707]).
Analysis FAA ADs applicable to the Spanish Air Force CF6-B0C2A2 engines (aircraft A310) to perform a global assessment for the whole engine fleet.
Hangar facility, metallic structure design using CAD tool New Metal 3D version 2014.b by CYPE Engineering.
Major International Finance. Deusto Business School Bilbao (Spain), Audencia School of Management Nantes (France) and University of Bradford (United Kingdom)