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.
Portfolio MIS & Risk Management: total company and by banch. Direct working groups with worst branches portfolio (credit indicators) and also help with credit strategy to improve credit quality. Training and support to operation area about the credit indicators.
Demographic model analysis of total company and by branch with forecast, segmentation and posible credit policies changes due the delinquency demographic segmentation.
