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.
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.
