Experience

Zoluxiones
• Peru
• IT Services and IT Consulting
• 100 - 200 Employee
• IT Risk Project Leader | Sr. BA for Scotiabank

  • Jan 2023 - Present


Atlax 360 Perú

• Peru
• Financial Services
• 1 - 100 Employee

• Project Consultant

  • Jul 2020 - Oct 2022

  I coordinate and manage in an integral way the implementation of the YNDIKA platform, triggering the intervention of the teams in each phase of the project, orchestrating internal meetings and with clients to attend and solve complex problems. I am the contact person of ATLAX for the client during the implementation cycle in order to provide any type of support or dialogue with areas of the corporate and / or local. I carry out granular follow-up to all phases of the project, ensuring success in each of these and guaranteeing compliance with the dates committed to the client. I lead and am responsible for the consulting process whose objective is the redesign of the policy and the main credit risk management processes in clients, seeking to maximize their efficiency and effectiveness through the solution. (Admission/Follow-up/Collections). Direct contact with the SM and PO to escalate issues associated with projects that may require team intervention: IT Connection, Integrations, Financial Analysis, Corporate Consulting, Data Science, Statistical Models, among others. I lead the training sessions with different profiles: Finance (CFO, credit manager, collections manager, analysts) and commercial area, in order to fully address the main functionalities that include the reengineering carried out. I make the official live presentation with the solution (Analysis of results) demonstrating the value of the solution through the application of risk indicators on the portfolio, descriptive analysis with behavioral and predictive indicators, goodness of fit of the model, backtesting analysis, economic benefits. I manage the delivery of the platform and the conformity of the implementation (with the client) to give way to the closure of the project. Show less



BBVA en Perú

• Peru
• Venture Capital and Private Equity Principals
• 700 & Above Employee

• Risk / Credit Specialist

  • Sep 2018 - Jul 2020

  In charge of the credit risk assessment for operations coming from the Lima and Provinces branch network, which exceed the scope of delegations of the Office Manager, as well as all credit operations of the Business Center; carrying out the evaluation and validation of the credit application through required supporting documentation (scoring information, EEFF, applicant data, company data and others) and accessing the technical facilities of the different applications of the bank, in order to obtain the necessary information for the qualification of the operation (live risk, overdue risk, debt in the system, over indebtedness) Evaluation of companies and economic groups that request financing under different products and modalities, short and long-term direct and indirect credits: working capital loans, working capital cards, long-term loans, import financing, letters of credit for import and export, furniture and real estate leasing, technical and economic bonding letters; operations of discounts of bills and invoices (factoring), leaseback, among others. Develop and build the EEFF through the information collected in the visit to the client in the different applications of the bank. Prepare reports and / or presentations on analysis of proposals, conclusions and recommendations on the sanction of operations. Provide advice to the staff of the Lima, Provinces and Business Center Office Network, for queries regarding risks. Periodically train the staff of the Network of Offices of Lima and Provinces, as well as the Business Center, on credit risk issues and on the use of expert credit risk tools through talks, workshops, live risk, etc. Show less



Facturedo

• Peru
• Financial Services
• 1 - 100 Employee

• Risk Analyst

  • Dec 2017 - Aug 2018

  In charge of the evaluation of credit risk for each of the operations, evaluation of debtor´s companies of invoices through methodization and analysis of financial statements, risk centers and other sources to proceed with the operation and / or determine a line of credit. Responsible for the settlement and billing of all operations carried out both at the beginning and at the end of them (both for companies and investors), as well as keeping track of it and the administration and organization of the support and corresponding documentation. Also, I oversaw the Pricing Model to quote invoices to SMEs and investors so that they can know the cost of the operation and the performance obtained by each operation respectively, as well as I perform the validation of the information contained in our platform. (Documentation uploaded to the platform by the ceding companies and investors) Show less



Red de Energía del Perú

• Peru
• Oil and Gas
• 400 - 500 Employee

• Financial Project Analyst

  • Nov 2016 - Oct 2017

  Responsible for the management control and monitoring of the contracts made for the projects, also managing agreements, new hires and commitments with consultants, REP contractors and related companies, being the link between the headquarters and the areas involved in REP (Logistics, Legal, Finance, OyM), I controlled the budget and cash flow for project-related engagements, as well as Managed the investment required, deliverables and other information necessary to proceed with the recruitment and support the committee. Control of project management and administration of the contracts of the consultants hired, economic and technical proposals, deliverables and conformities, as well as the updating of the information related to them according to progress. I prepared the budget of the Business Management and managed a pre-operating budget of US $ 4,000,000 for the hiring of consultants of the projects in charge and I elaborate the projected cash flow considering all future payments for the hiring of consultants according to the corporate hiring scheme. Show less



Dun & Bradstreet

• United States
• Information Services
• 700 & Above Employee

• Business Analyst

  • Sep 2016 - Nov 2016

  I evaluated the economic-financial situation (methodization of financial statements, analysis and interpretation of ratios, analysis of the evolution or regression in the last 3 years, bank references, cash flows, risk centers) and commercial (financial statements, references of suppliers, internal and external sources) of Peruvian companies. The evaluation also covered aspects such as seniority and experience, size and dimension, presence in the local and international market, country risk, development sector and the influence (support) of the shareholder company and / or group and / or parent company (financial statements). Show less



Coface

• France
• Insurance
• 700 & Above Employee

• Business Analyst

  • Sep 2015 - Aug 2016

  I prepared commercial reports that allowed to determine the level of credit risk of medium and large companies, which I classified in a ranking according to their level of risk (score), with conclusions, recommendations and comments in relation to the approval, return or repeal of the credit. (Amounts greater than EUR 100,000). I evaluated the economic-financial situation (methodization of financial statements, analysis and interpretation of ratios, analysis of the evolution or regression in the last 3 years, bank references, cash flows, risk centers) and commercial (financial statements, supplier references, internal and external sources) of companies in the Central American and Latin American region. The evaluation also covered aspects such as seniority and experience, size and dimension, presence in the local and international market, country risk, development sector and the influence (support) of the shareholder company and / or group and / or parent company (financial statements). Show less



Banco de Crédito BCP

• Peru
• Banking
• 700 & Above Employee

• Insurance Banking

  • Aug 2013 - Jul 2015

  I made pre-settlement for Pacífico Peruano Suiza and Pacífico Vida regarding the insurance of banking products, I analyzed the insurance coverage, tracking of account movements. I coordinated with areas of the bank and internal clients the validation of the requests. I made the blocking of accounts, credits and credit cards of deceased clients and the respective monitoring. I responded to requests for unrecognized insurance, sent information to customers about their products and made accounting adjustments for claims. Show less



Interbank

• United States
• Banking
• 100 - 200 Employee

• Commercial Banking

  • Jul 2012 - Jul 2013

  I placed bank products and met the business goals of the office. Advised clients on investment issues mutual funds, term deposits, savings accounts, etc. I evaluated clients for vehicle loans, mortgage loans, credit cards, loans. Properly managed requests, orders, claims. I used the CRM system tools to update customer data and review customer campaigns, as well as provide information to the bank to generate more sales opportunities. I made it easy for clients to carry out financial transactions. I placed bank products and met the business goals of the office. Advised clients on investment issues mutual funds, term deposits, savings accounts, etc. I evaluated clients for vehicle loans, mortgage loans, credit cards, loans. Properly managed requests, orders, claims. I used the CRM system tools to update customer data and review customer campaigns, as well as provide information to the bank to generate more sales opportunities. I made it easy for clients to carry out financial transactions.