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.
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.
Financial and Administrative Officer
PSP PRESTEC & PRESIG
Since April 2023
Full-time
Mexico City
Mexico
- 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.
Co-founder & Risk Strategy
REKETE - BlissPago Inc
November 2019
to February 2022
Ciudad de México
Mexico
- 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.
Head of Credit Risk
Grupo Financiera Independencia
October 2018
to November 2019
Walnut Creek
United States - California
- 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
Origination Strategies Lead
Grupo Financiera Independencia
September 2017
to September 2018
- 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%.
Head of Credit Risk & Analytics
Apoyo Economico SOFOM ENR
June 2012
to September 2017
Full-time
Mexico city
Mexico
- 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
Lead of Credit Risk & Fraud
Apoyo Económico SOFOM ENR
June 2007
to May 2012
Full-time
Mexico City
Mexico
- 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)
Fraud Analytics Manager GEMoney
GE Capital
September 2006
to May 2007
Full-time
Monterrey / Mexico City
Mexico
- 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
The MBA ITAM program is comprehensive, balanced and enriched with various techniques that promote learning, such as lectures, business case analysis, teamwork, business simulations, seminars, personal advice and workshops to strengthen management skills.
In this program as well as a quantitative training in actuarial science, statistics and mathematics, your training is complemented with courses from areas of general studies, economics, finance, management, computing; which will allow you to solve real problems from a new and original perspective which you will differ from other professionals becoming a highly valued professional, both in the public sector and the private sector in education and research.
Learn more
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SAS
Good
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SPSS
Good
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Data mining
Advanced
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Loan loss reserves
Advanced
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SQL
Good
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Dataware
Good
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MIS - Portfolio management
Advanced
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BigQuery
Good
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Fraud scoring Retail + Credit card
Advanced
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Analytics
Advanced
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Portfolio Management
Advanced
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Assertive communication
Advanced
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Staff retention
Advanced
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Team builder
Advanced
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Performance measurement
Good
