Data Analyst

• Sep 2023 - Present

Product Owner - Small Business and Entrepreneur Credit Risk

• Nov 2021 - Dec 2022

• Developed and deployed credit risk management, implemented robust credit risk assessment models and enhanced risk monitoring systems, resulting in a 50% reduction in credit losses and improved overall portfolio quality.• Enhanced underwriting model increasing the amount of approved clients by 25% while maintaining default rates under 4%.• Optimized the small business credit analysis procedure by modifying the payment capacity formula and eradicating documents that did not mitigate risk. Response time decreased from seven to two days. Show less

Product Owner - Personal Banking Analytic

• Sep 2021 - Nov 2021

• Implemented advanced analytics techniques, such as predictive modelling and segmentation analysis, to uncover actionable insights and drive targeted approval loan and credit card campaigns, resulting in a 60% boost in customer engagement and a 50% increase in average transaction value.• Designed and deployed data visualization tools, provided stakeholders with intuitive dashboards for performance tracking, and optimized marketing operations, resulting in a 37% increase in ROI.• Winner of the "Stars 2019" award - Pre-Approved Analytics Initiative: 50% growth in batch approvals, 48% growth in consumption disbursements, 38% decrease in directional transactions. Show less

Team Leader - Retail Banking Analytics

• Oct 2019 - Aug 2021

People in Charge: 14- Lead a Data Science professionals team in the design, development, and implementation of analytical solutions and models (ML/DL) for clients of the retail segment.- Product Owner Pre Pre-approved credit product.- Project Manager Analytical Solutions and models for Retail Banking (Machine Learning/ Deep Learning/Predictive and INferencial Methods) - Lead and manage the development of BI tools (Viewer) that allow comprehensive knowledge of the client to deepen the business relationship and implement business strategies-Structuring and guaranteeing the stability for Projin the dynamics of the structural and strategic clustering segmentation models, which allow the assignment of a commercial service model, pricing, optimal risk and value proposition according to the customer journey.In charge of managing and evolving the tools to manage the customer life cycle:Pre-approved: Loan, Mortgage and Credit Card portfolioDigital ProfileAffinities and ConsumptionDesertionNext Product To BuyAddressingPrivate Banking and Investment Apification of solutionsInsurances Telemarketing Show less

Team Leader - Analytics for pre-approved and offers

• Feb 2018 - Oct 2019

People in Charge: 8Comprehensively lead the models and the macro process of massive pre-approval of risk quotas for the segment of people.Lead the structuring, implementation and monitoring of Analytical Models for the generation of pre-approved and potential clients to leverage the growth, deepening and loyalty strategies of clients belonging to the segments of people, ensuring that it is an effective and efficient process in terms of profitability, customer satisfaction, risk, costs and sales, mobilizing the key areas within the General Management according to the guidelines dictated by the vice-presidency of people and SMEs, ensuring the increase in the sale of products through cross-selling generating offers according to customer needs. Show less

Senior Business Intelligence Analyst - Pre approved and Offers

• Aug 2016 - Feb 2018

Led cross-functional teams to define KPIs, analyze business requirements, and develop data-drivensolutions, resulting in a 25% increase in sales team efficiency.• Design and create interactive dashboards, reports and visualizations using business intelligence tools such as Power BI or Tableau to communicate key findings to stakeholders effectively.• Programme the ETL necessary for automatically generating potential customer profiles for retail banking product acquisition in our CRM System. This data model caused the cross-selling index to increase from 0.8 to an average of 1.4. Show less

Business Analyst - SME Leasing

• Jan 2015 - Sep 2016

• Collaborated with sales, underwriting, and legal teams in optimizing lease origination processes, resulting in a 40% reduction in processing time and a 20% increase in lease volume.• Guided in responding to internal and external inquiries related to lease administration, resolving any issues or discrepancies promptly and professionally.• Managed the asset acquisition procedure and supplier relationships for real estate leasing contracts and special assets.• Provided post-sale and maintenance advice to customers, suppliers, and managers.• Assisted and structured the Mortgage Bank's financial leasing operations. Show less

Customer Service Representative

• Jul 2012 - Dec 2014

• Managed customer service scheme for five companies with a total of 4500 employees.• Monthly placement budget of COP 256 million in disbursement, nine credit cards, COP 50 million inmortgage credit, 20 savings products and COP 320 million of insured value in insurance policies. Goals with which to achieve an average budget execution of 110%• Recognitions and awards: Best Management Plan New Caribbean Manager 2012(220%), Winner Consumer Campaign and Credit Card 2012 (110%), Management Outstanding placement of payroll (210%) Show less

Administrative Assistant

• Jul 2009 - Jul 2012

• Created excel macros to automate the generation of sales reports by products and by commercial advisors, with which the productivity of the commercial teams was improved by 20%.• Advised SME clients in opening and configuring home-banking and making virtual payroll and supplier payments.• Advised SME clients in the configuration and understanding of the reporting of their business collection agreements.

Credit Assistant

• Jul 2008 - Jul 2009

- Analyze the fiscal viability of the financial statements of SMEs subject to credit. - Promote in the branch network the management and presentation of financial information of companies for credit studies. Achievements: 20% decrease in the SME loan repayment indicator. - Analyze the fiscal viability of the financial statements of SMEs subject to credit. - Promote in the branch network the management and presentation of financial information of companies for credit studies. Achievements: 20% decrease in the SME loan repayment indicator.