Credit Risk Executive with over 10 years of experience designing and executing strategies for profitable portfolio growth in leading financial institutions. Led acquisition strategy for one of Mexico's largest credit card portfolios, overseeing credit policies impacting more than 10 million accounts and 1.4 million new annual originations. Proven expertise in business strategy, advanced analytics, and risk management, delivering solutions that boost commercial expansion without compromising portfolio quality. Recognized for fostering cross-functional collaboration to turn data into growth and client experience strategies. Motivated by innovation and continuous improvement, aspiring to enhance credit risk functions and customer outcomes.

Led the acquisition strategy for one of the country's largest credit card portfolios, developing credit policies, decision criteria, and analytical strategies that balance commercial growth, customer experience, and profitability. Developed and implemented origination strategies meeting approx. 1.4 million new accounts annually, optimized credit and segmentation policies to increase approvals by 16%, reduced credit losses via risk-based adjustments, and directly impacted over 35,000 clients monthly. Coordinated strategic projects across Risk, Product, Commercial, and Technology, ensuring alignment with business objectives and implemented regulatory and strategic changes supporting scalability and compliance for portfolios exceeding 10 million accounts.

Cards Acquisition Risk Vice President

Developed origination strategies and portfolio analysis for credit cards, using analytics and financial evaluation to support business decisions. Designed origination policies to expand customer eligibility and portfolio performance, assessed financial impact of strategies via loss projections and profitability, produced executive P&L analyses for strategic prioritization, collaborated with multidisciplinary teams to operationalize analytics, and generated executive reports and KPIs on portfolio performance.

Cards Acquisition Risk Assistance Vice President

Participated in designing and implementing risk strategies for credit cards, personal loans, and SME portfolios, leveraging analytics to improve growth and portfolio quality. Developed origination and portfolio management strategies focused on profitable growth and risk control, implemented performance indicators to identify optimization opportunities, led initiatives under Agile methodology, collaborated with business and technology for decision process improvements, and created analyses supporting strategic decisions regarding profitability, delinquency, and customer behavior.