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Roberto Angeles

Credit Risk & Fraud | Fintech | SME loans | BNPL

Fraud Risk Management
Consultant
SME Loans
Tech Credit Origination
Data Science
Home Experiences Education Skills Interests
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Professional Status
Employed
Available
About Me
I offer a systemic vision to reduce costs, losses due to non-payment, loan loss reserves and increase the placement of credits that add economic value for the business using risk management, fraud management, analytics, data science and collection as tools to achieve it.
Data driven using conventional data and external data to develop scores models for fraud, default, collections.
Handling key data vendor management and experience in risk policy analysis.
Resume created on DoYouBuzz
Experiences
  • Oversee all aspects of financial management, including budgeting, forecasting, and financial reporting for a construction company specializing in commercial, infrastructure, public infrastructure.
  • Implement cost control measures and financial analysis techniques to optimize project profitability and ensure adherence to budgetary constraints.
  • Manage cash flow, accounts payable, and receivable to maintain liquidity and support ongoing operations.
  • Collaborate with project managers and department heads to develop project budgets and monitor financial performance against established benchmarks.
  • Ensure compliance with regulatory requirements and internal policies related to financial management and reporting.

Credit Origination Consultant and New Technology Implementation

Roberto Angeles Consultant
Since April 2022
Consultant
Mexico City - Monterrey - USA
  • Led consultancy projects focusing on optimizing credit origination processes for educational loans, "Buy Now, Pay Later" systems, and traditional credit granting via web or applications.
  • Designed and implemented cutting-edge technological solutions to streamline credit evaluation processes, resulting in a 7.00% to 40.0% reduction in response time (depending on the origination process).
  • Developed and executed strategies to mitigate default and fraud risks across diverse credit origination platforms, utilizing advanced data analysis tools and machine learning algorithms.
  • Collaborated closely with educational institutions, retail partners, and online platforms to customize credit origination procedures, ensuring swift responses and minimizing default rates.
Company website
https://rekete.com.mx/
  • Create and stablish the company in Mexico, search for e-commerce companies and lenders to subscribe to
    the platform.
  • Define and develop the origination process, fraud review and credit process on the platform.
  • Raise funds to assure the future operation of the company.
Company Description
An omnichannel point of sale financing (POSF) platform that allows consumers to finance their purchases in an
easy, secure and instant manner. The platform enables e-commerce buyers to finance purchases via lenders with
an online credit process for sales finance.
Company website
https://rekete.com.mx/
  • Lead risk management areas for FINSOL México and FINSOL Brazil offering Microcredits, MasNomina that offers
    payroll credits and Apoyo Financiero Inc. that offers personal loans to Hispanic population in California, US.
    Mitigate risk exposure to reduce losses, review and manage the portfolio performance on P&L basis and risk
    profiles (Credit life cycle - RAR). Analytics and Data exploration and Loan Loss Reserve model.
  • Develop and implement origination score for Apoyo Financiero
  • Double-digit growth of the Apoyo Financiero Inc portfolio with less than 4.0% of 90+dpd over the portfolio value
Company Description
We create financial inclusion and opportunity through exceptional service and serve more members of the underbanked community in California.
Company website
https://aplicatesk.apoyofin.digital/en/acerca
  • Improve origination for new costumers of the six companies in FINDEP, standardization of best practices, policies, process and systems to control the expected credit loss, reduces costs and generate economic value to FINDEP.
    Risk management of the Apoyo Financiero’s portfolio, a company established in California, USA focused on Hispanic market.
  • Analytical tools implementation to improve new credit origination for FINDEP: Decision engine, Cloud data, Data science and
    machine learning.
  • Development of expected loss model for FINDEP companies according to IFRS and NIF Mx.
  • Double-digit growth of the Apoyo Financiero Inc portfolio and maintain the level of past due loans by less than 3.5%.
Company Description
Financiera Independencia, S.A.B. de C.V., SOFOM, E.N.R. the leader in bringing financial inclusion to
underserved Hispanic communities of North America through responsible lending and insurance products.
Company website
https://findep.mx/en/
  • Lead risk management area. (4 people).
    Mitigate risk exposure to reduce losses. Review and manage the portfolio performance on P&L basis and risk profile. MIS and analytics. Track Scores and risk profiles. Loan Loss Reserve model.
  • Lead home office credit area. (20 people)
    Review in a centralize way the applications that do fail credit policies and risk criteria on branches so that the descision on approval or reject will minimize the risk exposure.
  • Lead centralized collections 90+dpd and recovery areas. (220 people)
    Develop strategies to collect 90+dpd accounts from branches in centralized way to reduce losses: call center and collection visitors, extrajudicial offices.
  • Lead business intelligence. (1 person)
    Review the data to create and design new products. Do the mapping on costumer/applicants concentration for collections area and to open new branches. Review new technologies and new products from third parties to measure the impact on portfolio perfomance
  • Lead Corporate Legal area. (6 people)
    CONDUSEF, Commercial law, Criminal law, Corporate contracts and agreements, Powers of attorney.
  • Risk committee chairman
  • Credit bureau relation
Company Description
A FINANCIERA INDEPENDENCIA Co. first SOFOL in México with 467 branches in Mexico, Brasil and US. and more than 9,000 employees with revenues around US$ 44MM
Company website
http://www.apoyoeconomico.com.mx
  • Credit quality and performance.
  • Review and create new policies, perform credit reviews, fraud deterrence.
  • MIS (Vintage, Coincidental and Performance / collections), Credit Score (development, implementation and performance), forecast of key credit indicators and fraud KPI.
  • Risk Committee.
  • Reserve Model
  • Budget on losses.
  • Credit Bureau relationship.
  • CRM
  • Business intelligence and development. Analytics: making decisions driven by metrics.
  • To manage,to coach and to evaluate people in the area. (4 people)
Company Description
A FINANCIERA INDEPENDENCIA Co. first SOFOL in México with 467 branches in Mexico, Brasil and US. and more than 9,000 employees with revenues around US$ 44MM
Company website
http://www.apoyoeconomico.com.mx
  • Statistics Fraud Trends for each Business Unit (Retail, Personal Loan, Mortgage, Auto): Fraud Metrics.
  • Fraud Losses and Savings Forecast Implementation / Fraud Socring.
  • Find gaps in processes with fraud risk implications and propose solutions measuring impact over the risk portfolio and sales.
  • High performance analytics: creating metrics to measure fraud risk
Company Description
Leading global financial services business with revenues around US$ 30B and 70,000 employees.
Company website
https://www.gogecapital.com/
  • Prevention, deterrance and analysis of Fraud trends. ( 6 people)
  • Risk review on company´s processes and proposals for the mitigation of that risk.
  • Sampling, training, MIS & reports of statistics, incidences and trends review on company´s Fraud.
Company Description
A Scotiabank subsidiary
Company website
http://www.creditofamiliar.com.mx
  • Portfolio MIS & Risk Management: total company and by banch. Direct working groups with worst branches portfolio (credit indicators) and also help with credit strategy to improve credit quality. Training and support to operation area about the credit indicators.
  • Demographic model analysis of total company and by branch with forecast, segmentation and posible credit policies changes due the delinquency demographic segmentation.
Company Description
A Scotiabank subsidiary
Company website
http://www.creditofamiliar.com.mx
  • Develop a model to measure the viability analysis of the self-financing plans for G.M. automobiles, as well as impact on company budget to acquire cars for each self-financing group.
  • Develop statistics and projections on adjudications, canceled contracts and acquired automobiles for every self-financing group.
Company Description
Cars financing company created to help sales of General Motors, GM have the 18% of cars sales in Mexico.
Company website
http://www.suauto.com.mx/
  • Follow up of the mining, construction and transportation industries of the companies subscribed to the Mexican stock exchange (BMV), review and assist to the trimester reports for the possible recommendation to potential investors: buy, sell or maintain the stock.
Company Description
Mexican Financial Group lead by Carlos Slim with Insurance, Bank, Stock Exchange, Afore with revenues around US$ 290 MM and 6,069 employees
Company website
http://www.inbursa.com
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