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.
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.
