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Roberto Angeles

Credit Risk & Fraud | Fintech | SME loans | BNPL

Fraud Risk Management
Consultant
SME Loans
Tech Credit Origination
Data Science
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
  • 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