BDM Sr, LATAM

• Jun 2023 - Present

Provenir brings together the three essential components needed – data, AI and decisioning – into one unified risk decisioning solution to help organizations provide world-class consumer experiences. This unique offering gives organizations the ability to power decisioning innovation across the full customer lifecycle, driving improvements in the customer experience, access to financial services, business agility, and more. Provenir brings together the three essential components needed – data, AI and decisioning – into one unified risk decisioning solution to help organizations provide world-class consumer experiences. This unique offering gives organizations the ability to power decisioning innovation across the full customer lifecycle, driving improvements in the customer experience, access to financial services, business agility, and more.

BDM - LATAM

• Apr 2022 - Jun 2023

Inside Sales Representative

• Oct 2020 - Apr 2022

Asesor Inmobiliario

• Sep 2019 - Aug 2020

Senior Credit Analyst at DLL Financial Solutions Partner

• Mar 2018 - Apr 2019

Check that the credit files assigned, contain the necessary documentation for the credit analysis and comply with the credit policies (Risk Acceptance Criteria assigned to each Vendor). In the case of agricultural customers, it must be verified with the operations sector that the client has correctly prepared the pre-qualification with all information about their assets and their annual agricultural activity. For non-agricultural operations or with an amount to finance more USD 370K (Large Ticket) the last 3 balance sheets must be requested - Empty the information received by the client (pre-qualification of credits or Balances) in the application of credits or in MRA (depends on the amount to be financed). All this is done with the purpose of facilitating the interpretation of the financial and economic situation of the clients. - Prepare and present for consideration, before the corresponding autonomies, the financial study (Credit Report) Show less

Credit and Collections Analyst

• Nov 2016 - Mar 2018

Analysis, control and monitoring of current accounts of supermarkets in the interior (such as Dinosaur S.A, Millan S.A, Cooperativa Obrera, among others). • Billing of Current Accounts. • Responsible for negotiating with clients in order to collect the overdue debt or for timely payment. • Accounting compensation between credit notes or discounts for commercial agreements generated by the company and debit notes issued by the customer, through manual compensation F-30 SAP. Preparation of management reports for the area and estimation of the customer's collection flow. • Analyze the requests of the clients in the merchandise orders that they enter daily, to make decisions of what is released, in relation to the credit limits and the status of the overdue debt. Show less

Credit Analyst

• Dec 2014 - Sep 2016

• Check that the assigned credit files contain the necessary documents for the credit analysis and comply with the policies of the organization and the regulations of SUDEBAN (it is the regulatory entity of the banking sector under the supervision and coordination of the Superior Organ of National Financial System), in order to measure the financial situation of the client. • Receive and review credit applications, electronically and with files, at national level (handling a large volume of applications, because Banesco currently represents the largest private banking group in the country, with more than 6 million clients), Through the draining of the financial statements in SAFI (software tool that allows to reclassify and order each of the items in the Balance Sheet and Statement of Profit and Loss, in order to facilitate the interpretation of the financial situation of a company); In addition the processing of the state of origin and the application of funds, financial indicators and final qualification of the applicant company, in order to analyze the results obtained, as input for the preparation of the credit report. • Analyze the results that the SAFI tool uses in relation to the corporate loan applications, by means of the elaboration of a questionnaire adapted to the situation of each client, in order to clarify doubts about the financial statements, to propose the definitive credit proposal (Regional Management, Delegate Vice-Presidency, Executive Vice-Presidency and Central Committee before the directors and the President of the Bank). • Submit to the regional manager of Energy Banking the files analyzed, to evaluate, correct and recommend, based on the study of credit elaborated, in order to validate compliance with Banesco's guidelines. • Prepare and present for consideration, before the corresponding autonomies, the financial study of the client evaluated, in order to determine its grant. • Elaborate the statistics of the credit analyzes performed Show less