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Patricia Esquivel Ruiz
Empowering strategic risk decisions with data-driven financial intelligence.
Ciudad de México
Full time
Hybrid
Actuary and Risk Administrator with over 9 years of experience in financial modeling, risk management, and business intelligence in the Mexican financial...
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My Career Journey
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Banco Azteca
Gerente de Riesgos de Consumo
Jul 2024 - Present | 2y
Ciudad de México, MX
Led risk alert strategy for consumer products enabling data-driven credit decisions. Analyzed portfolios by region, channel, and client type to support strategic planning. Calculated expected losses to...
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Banco Azteca
Gerente de Riesgos Geográficos
Jan 2024 - Jul 2024 | 6m
Ciudad de México, MX
Analyzed geographic risk indicators to identify high-risk territories. Developed executive reports and Tableau maps for risk visualization. Supported risk alert systems for third-party channels and performance...
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Banco Azteca
Gerente de Modelos
Jun 2023 - Jan 2024 | 7m
Ciudad de México, MX
Oversaw development of the Baz Boost 2.0 credit origination model. Coordinated with Data Science and Risk teams for variable adjustment and model validation.
Banco Azteca
Gerente de Portafolio Préstamos Nómina
Oct 2022 - Jun 2023 | 8m
Ciudad de México, MX
Created dashboards for risk indicators by payroll client type. Analyzed portfolio dispersion and behavior to enable data-driven decision making.
Banco Azteca
Consultor en Inteligencia de Datos de Cobranza
Mar 2020 - Oct 2022 | 2y 7m
Ciudad de México, MX
Designed A/B tests for collection strategies and improved client response rates. Developed models for client segmentation and risk profiles. Generated data-driven insights for strategy decisions in co...
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Banco Azteca
Analista en Estrategia de Geografía
Dec 2018 - Mar 2020 | 1y 3m
Ciudad de México, MX
Prepared reports for territory collections efficiency monitoring. Analyzed regional portfolio performance to identify opportunities. Created executive dashboards for risk and collection metrics.
Banco Azteca
Analista de Estrategia de Cobranza CC
Aug 2018 - Dec 2018 | 4m
Ciudad de México, MX
Produced performance reports for contact center operations and agent productivity. Developed KPIs to measure and improve collection management effectiveness.
Telmex
Supervisora de Planeación y Modelos Financieros
Aug 2016 - Dec 2017 | 1y 4m
Ciudad de México, MX
Designed pricing models to support profitability and commercial strategy. Developed forecasting models and scenario analyses to inform business decisions.
Telmex
Programa Trainee Financiero
Jan 2016 - Aug 2016 | 7m
Ciudad de México, MX
Completed rotations in Accounting, Financial Planning, and Financial Modeling. Supported with analysis and reporting.
Bolsa Mexicana de Valores
Servicio Social — Índices y Estadística
Jan 2014 - Jun 2014 | 5m
Ciudad de México, MX
Calculated and monitored stock indices; processed market data for internal reports.
Education
Universidad Anáhuac México
Maestría en Riesgos
2020
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Universidad Marista, CDMX
Licenciatura en Actuaría
2015
Certifications & Qualifications
SQL
DataCamp2026
Administración de Riesgos Financieros
RiskMathics Financial Institute2025
Diplomado en Riesgos Globales
Universidad Anáhuac2022
Tableau Intermedio/Avanzado
Datateam2021
Programación en Python
DataCamp2020
Pensamiento Crítico
ITAM2020
Language(s) I speak
Spanish
Fluent
English
Intermediate