Defined and managed risk policies for consumer and mortgage loans aligned with risk appetite. Conducted analytical monitoring of portfolio KPIs, automated payroll loan origination processes, and coordinated...

Proposed credit policy improvements at local and global levels, assessed origination strategies for model enhancements, developed reporting and dashboards using SQL and SAS, optimized exception processes,...

Coordinated the risk analysis team, evaluated commercial prospects, and designed executive presentations. Proposed and developed a basic credit scoring system, reducing prospect evaluation times from two...

Developed strategic proposals for banks, designed risk appetite frameworks, commercial plans, and optimized reporting through centralized data. Implemented an incentive model that increased commercial...

Built risk models for factoring, analyzed pension and investment portfolios, coordinated teams, supervised operations, and optimized bond origination processes. Developed a cluster-based rate model to...