SUMMARY:

• Experience with the full credit cycle: Credit Acquisitions, Maintenance, Collections, Recoveries and Fraud.
• End to end management of analytical projects: design, development, implementation, and validation of business strategies.
• Experience in developing, validating and implementing of scoring and non - scoring models.
• Experience leading multi locations teams.
• Selected for the ACCEL (Achieve Consumer Credit Excellence through Leadership) program in Mar-2013

TECHNICAL SKILLS:

MS: Office, SAS, Visual Basic, SQL server 7.0, Monarch, Statgraphics, Business Object.ECS, Strategyware, COBIS, CORE, ACIS, NAS, TRIAD ACCA Andean Caribbean

PROFESSIONAL EXPERIENCE:

Confidential, Bloomington, IL

Bank Credit Officer

Responsibilities:

• Lead the Credit Risk, Fraud, Data Management and Scoring teams
• Lead the Credit Risk for all portfolios across the United States: Credit Cards, Auto loan, Mortgage, Commercial, and Home Equity (Heloc and Helon).
• Provide guidance and recommend adequate reserves, ALLL, for all portfolios.
• Lead the team to be in compliance with all the requirements for internal and external audits, PWC, CFPB and OCC.
• Establishes vision, strategies, and goals for area of responsibility in alignment with enterprise and department objectives.
• Responsible for salary administration, performance assessment and coaching, selection, training, and career development of reporting employees.
• Recommend the budget of all the units under my responsibility.
• Manages resources ­ both human and financial ­ in accordance with budget, business plan, and existing and anticipated business environment.
• Ensures compliance with enterprise and department policies, procedures, and practices.
• Lead the establishment of an appropriate credit risk appetite for the Bank and the development of credit strategies to achieve the Bank’s credit risk appetite and business plan.
• Establish effective credit policy to drive meaningful, profitable growth within the credit risk appetite. Establish appropriate levels of individual lending authority within the Board approved lending authorities.
• Lead effective, actionable credit analytics, forecasting and reporting. Establishing the allowance for loan loss and the credit factors used in pricing.
• Lead the Bank’s credit governance structure and process, including the credit reporting to the Bank’s Board.
• Lead a high performing team of credit managers and analysts that support the Bank in achieving meaningful, profitable results in credit.

Director

Responsibilities:

• Supervisory of Credit Risk System for 10 Latin America countries
• Responsible for Credit Risk requirements for Rainbow project migration for all Latin America countries. Rainbow is the new platform for all retail products.
• Supervisory of Credit Decision Engine (CDE) migration for all LATAM countries. CDE is the front end system for credit acquisition.
• Supervisory of development and implementation of credit policies for all operating platforms systems for LATAM
• Supervisory of implementation of new credit strategies. These strategies should be aligned with the business requirement.
• Design, develop, implement and tracking Business/Policy Test to increase the revenue with low expected losses.
• Manage the requirements of enhancements to Credit Risk System platform based on business needs.

Sr. Vice President

Responsibilities:

• I was selected from 12 Latin American countries to represent LATAM region in the High Management Risk program, ACCEL (Achieve Consumer Credit Excellence through Leadership); the tutors on this programs are the top two on each region in CITI (Asia, Europe, US, Global, Latin America).
• Supervised all activities to develop and implement new changes and new strategies in the Credit Risk platforms for 6 Central America countries and 3 South America countries based on Business needs.
• I ensured all credit policies were successfully implemented for all operating platforms systems for Central America and South America countries
• Supervised activities of creation of business requirements in order to request enhancements to credit risk system platform based on business needs, as well as ensure the implementation of any changes in production environment.
• Designed, developed, implemented and tracked of maintenance business strategies in order to reduce risk and increment the business profitability. During 2013, +130k accounts received credit line Increase with US$ +130 MM as incremental exposure
• Supervised all processes, projects and risk activities related to Analytics for 9 ACCA countries. Cut-Off scores analysis based on risk/revenue, Behavior score risk level definitions, Scoring analysis, credit line increase and decrease strategies, as well as Additional Line of Credit strategies.
• I was responsible for supervised of implementation of Product Campaigns to increase the customer loyalty. Fee Discount, Promotional APRs, Activation, Attrition.
• Designed, developed, implemented and tracked of maintenance business strategies in order to reduce risk and increment the business profitability.
• Supervised of all processes, projects and risk activities related to Analytics for 4 ACCA countries: El Salvador, Honduras, Guatemala and Venezuela. Cut-Off scores analysis based on risk/revenue, Behavior score risk level definitions, Scoring analysis, credit line increase and decrease strategies, Additional Line of Credit strategies.
• I was responsible for supervised all activities related to design, development and track of Authorizations and Overlimit Strategy for El Salvador, Costa Rica, Honduras, and Guatemala with low impact in Risk Weighted Assets

Sr Vice President

Responsibilities:

• I was in charge of Chip migration project for Cards portfolio in the authorizations stage.
• Supervised all the process to design, development, and implementation of Collections, Authorizations and Credit Line Management Strategies.
• Worked aligned with the business, Product Mgr, Sales Unit, Marketing, Legal and Compliance to launch product campaigns to incentive credit card and ready credit usage.
• Designed, developed, and implemented Fraud strategies to minimize Net Fraud Loses and improve detection rate for Cards and Liabilities
• Monthly meeting with the Senior Management to present results of Portfolio Quality Review
• Supervised of monthly regulatory and Credit Bureau reports
• Assured Net Credit Losses does not exceed the forecast expected in Plan.
• Assured correct use of scoring models for acquisition and maintenance in the business strategies.
• Supervised of tracking of all credit strategies
• Ensured that all scoring models were working properly according to the model’s expectations
• Participated as Guess Reviewer during the Audit Risk Review for Brazil Credit Card’s Portfolio
• Participated as Guess Reviewer during the Audit Risk Review for Banamex’s Collections Credit Card.

Sr Vice President Country Risk Manager

Responsibilities:

• I was responsible for Basel implementation model in Venezuela: validation of the model and the reconciliation process between Credit Risk Indicators and Finance balances
• Designed, developed and tracked the Collections strategies for early buckets to reduce delinquency and write off amount
• I was in control of generating budget and forecast for Net Credit Losses, Loss Loan Reserve, Ending Net Receivable, Expenses for risk area
• Ensured for generation of Stress Test process for all credit risk portfolios
• Assured business strategies do not have impact in Net Credit Losses.
• Responsible for Activation / Attrition strategies for Cards in order to reduce expenses and improve revenues
• Developed, designed and implemented business strategies based on brackets of revenues at Customer Level.
• Performed deep dive segmentation analysis at customer level to identify all different customer levels to find opportunities on every segment to become more profitable.
• Developed and implemented a Credit Bureau Score based risk/revenue analysis.
• Participated as Guess Reviewer during Audit Risk Review for Banamex’s Credit Cards Portfolio.
• Participated as Guess Reviewer during Audit Risk Review for Brazil’s Retail Portfolio

Sr Vice President

Responsibilities:

• Developed, implemented and tracked business strategies to improve quality portfolio and reduce credit risk.
• Designed, developed and implemented of a Custom Score model, Credit Bureau Score, used as part of the Credit decision for acquisition and maintenance strategies.
• Ensured that all Scoring models were discriminating according to the expectation in the Model Approval Form.
• Assured correct use of scoring model to predict customer behavior.
• Worked together with Global Strategic Analytics Unit to develop application scorecard for Credit Cards portfolio
• I was responsible for Credit Scoring and Analytics MIS (Management Information System)
• I was in charge of Enterprise Data Warehouse
• Analyzed external Bureau information, to compare customer’s behavior with other financial institutions to improve revenues and reduce losses.

Senior Analytics Officer

Responsibilities:

• Tracked analysis of the Champion vs Challenger strategies implemented in Triad.
• Provided support to create Interface Data warehouse / Credit Initiation / Credit Decision system to be able to handle customer consolidated information at the time of the application
• Actively worked in the implementation, testing and validation of the business data warehouse as well as intensively provide support in the two mayor modifications and improvements after the implementation
• Validated and implemented Credit Cards behavioral scorecard in Venezuela.
• Participated in implementing a Risk Mitigation Plan agreed with Senior Management to preserve the health of the Business
• Participated as the Audit Risk Review Coordinator for the unit obtaining a Citibank award for special achievement
• Analyzed Superintendence of Banks data and Credit Bureau data to identify behaviors and trends
• Provided support to gather all necessary data for the launch of the massive line increase for 12M credit card accts. Incremental Average Net Receivable of $1.5 MM
• Built portfolio historic and demographic data for the main credit products, which helped design the business Credit Card Benchmark in terms of delinquency, losses, usage and profitability
• Worked with Portfolio Risk in the creation of Credit Cards and Ready Credit Benchmarks to guarantee that the corporate standards are met by the business.
• Supported Enhance Cards System migration in Venezuela. In addition, provided technical support for Venezuela Data Warehouse (DWH).
• Data validation of the Data Warehouse for Cards and Retail platforms; raw and interims reconciliation
• Enhanced data warehouse with transaction data from all products & channels to be used for pricing and segmentation purposes

Instructor

Responsibilities:

• Developed a Statistical Process Control course and hosted the training for High Senior Management of Manufacturing Companies.
• Trained small group settings from different companies on the usage of Excel.

Oil Exploration & Production

Responsibilities:

• Automation of the process to adjust the production history of an oil reservoir through optimization mathematical methods.