Experience

Latino Community Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• Chief Lending Officer

  • May 2023 - Present

• Senior Vice President Branch Support

  • Jun 2021 - May 2023

• Vice President of Lending

  • Jan 2021 - Jun 2021

• Internal Audit Director II

  • Jul 2019 - Dec 2020

• Branch Manager. MLO# 1572904

  • Jan 2017 - Jun 2019

• Loan Officer

  • Aug 2016 - Dec 2016



Banco Davivienda

• Colombia
• Financial Services
• 700 & Above Employee

• Cards Deputy Director

  • Jan 2014 - Dec 2015

  • Responsible for the Cards Center Management of Banco Davivienda Honduras as a Strategic Business Unit (Issuer Credit/Debit and Acquirer), according to the regional strategy of electronics payments with headquarters in Colombia and in coordination with the local structure of Retail Banking, SME, Risk, Operations, Technology, Fraud Prevention and Projects. • Definition, implementation and review of the strategic country plan in the short and long term, coordinated with the headquarters in… Show more • Responsible for the Cards Center Management of Banco Davivienda Honduras as a Strategic Business Unit (Issuer Credit/Debit and Acquirer), according to the regional strategy of electronics payments with headquarters in Colombia and in coordination with the local structure of Retail Banking, SME, Risk, Operations, Technology, Fraud Prevention and Projects. • Definition, implementation and review of the strategic country plan in the short and long term, coordinated with the headquarters in Colombia, to achieve profitability goals, portfolio and market share. • Formulation and monthly budget tracking according to strategy. • Definition and implementation of organizational structure, both direct and matrix reports. • Leadership in the process of defining credit policies in coordination with the Regional Risk Unit, procedures for customer service, technological improvements that have an impact on all areas of the electronic payments business, launch and improvements of products, management of sales channels (in house and outsourcing). • Guidance and leadership from different departments for maximum use of the processing platform (Total System, TSYS) compatible with the business strategy. • Member of Regional Committees integrated by the business of Colombia, El Salvador, Costa Rica and Honduras for defining business and marketing strategies for regional and local levels. • Main contact to Visa International and Master Card. Show less • Responsible for the Cards Center Management of Banco Davivienda Honduras as a Strategic Business Unit (Issuer Credit/Debit and Acquirer), according to the regional strategy of electronics payments with headquarters in Colombia and in coordination with the local structure of Retail Banking, SME, Risk, Operations, Technology, Fraud Prevention and Projects. • Definition, implementation and review of the strategic country plan in the short and long term, coordinated with the headquarters in… Show more • Responsible for the Cards Center Management of Banco Davivienda Honduras as a Strategic Business Unit (Issuer Credit/Debit and Acquirer), according to the regional strategy of electronics payments with headquarters in Colombia and in coordination with the local structure of Retail Banking, SME, Risk, Operations, Technology, Fraud Prevention and Projects. • Definition, implementation and review of the strategic country plan in the short and long term, coordinated with the headquarters in Colombia, to achieve profitability goals, portfolio and market share. • Formulation and monthly budget tracking according to strategy. • Definition and implementation of organizational structure, both direct and matrix reports. • Leadership in the process of defining credit policies in coordination with the Regional Risk Unit, procedures for customer service, technological improvements that have an impact on all areas of the electronic payments business, launch and improvements of products, management of sales channels (in house and outsourcing). • Guidance and leadership from different departments for maximum use of the processing platform (Total System, TSYS) compatible with the business strategy. • Member of Regional Committees integrated by the business of Colombia, El Salvador, Costa Rica and Honduras for defining business and marketing strategies for regional and local levels. • Main contact to Visa International and Master Card. Show less



Banco Ficohsa

• Honduras
• Financial Services
• 700 & Above Employee

• Business Intelligence (BI) y Customer Relationship Management (CRM) Manager

  • Apr 2013 - Dec 2013

  • Strategy planning, coordination and implementation for customer relationship management of Banco Ficohsa’s Retail Banking and SMEs, with the aim of enhancing customer satisfaction, generating higher turnover and profitability per customer by cross-selling and retention according to the main bank strategy. • Coordination with Product Managers and Regional Business Managers for strategy implementation to cross sell products. • Control of strategies implementation. • Coordination with… Show more • Strategy planning, coordination and implementation for customer relationship management of Banco Ficohsa’s Retail Banking and SMEs, with the aim of enhancing customer satisfaction, generating higher turnover and profitability per customer by cross-selling and retention according to the main bank strategy. • Coordination with Product Managers and Regional Business Managers for strategy implementation to cross sell products. • Control of strategies implementation. • Coordination with the IT department for the best uptime of hardware and software tools necessary for the delivery of BI and CRM to end users. • Analysis of client portfolio on a monthly basis. • Evaluation of CRM and Business Intelligence software solutions • Evaluation of international consultants to support implementation of strategies for CRM and Business Intelligence

• Deposits and Debit Card Manager

  • Apr 2010 - Apr 2013

  • • Planning, execution and managing the strategy for Retail Banking and SME products (including Debit Cards). • Coordination with the entire sales team: Regional Business Managers, with whom defines budgets and sales goals in each region for the branch network. • Design and proposal for adjustments to the Deposits Products Portfolio and Debit Cards • Advertising, marketing and sales strategies for Deposit and Debit Card products in coordination with the Marketing… Show more • • Planning, execution and managing the strategy for Retail Banking and SME products (including Debit Cards). • Coordination with the entire sales team: Regional Business Managers, with whom defines budgets and sales goals in each region for the branch network. • Design and proposal for adjustments to the Deposits Products Portfolio and Debit Cards • Advertising, marketing and sales strategies for Deposit and Debit Card products in coordination with the Marketing Department. • Design of incentive programs to promote individual/team sales for Deposits and Debit Card products. • Responsible for the maintenance of customer database management and customer relationship management (CRM) business line related to Deposits and Debit Card. • Monitoring and control of the commercial management based on indicators. • Responsible for the deposit portfolio and transactions volume, monitoring and ensuring compliance with the service standards, response times and overall profitability. • Main contact to Visa International.



Universidad Tecnológica Centroamericana

• Honduras
• Higher Education
• 700 & Above Employee

• Professor

  • 2010 - 2011

  Banking Marketing & Marketing Planning and Control classes. Banking Marketing & Marketing Planning and Control classes.



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Country Manager of Cards Center

  • Jan 2005 - May 2009

  BANCO HSBC HONDURAS, S.A. (known as Banco Grupo El Ahorro Hondureño, S.A. (BGA) until July 2007, before the acquisition) • Management of the Card Center as an independent Business Unit in BGA, according to the strategy of the Regional Cards Center based in Panama and in coordination with the local structure of BGA. • Definition, implementation and review of the country strategic plan, coordinated with the headquarters in Panama to achieve goals of profitability and market… Show more BANCO HSBC HONDURAS, S.A. (known as Banco Grupo El Ahorro Hondureño, S.A. (BGA) until July 2007, before the acquisition) • Management of the Card Center as an independent Business Unit in BGA, according to the strategy of the Regional Cards Center based in Panama and in coordination with the local structure of BGA. • Definition, implementation and review of the country strategic plan, coordinated with the headquarters in Panama to achieve goals of profitability and market positioning. • Formulation and monthly budget tracking according to strategy. • Creation of the company “Medios de Pago del Istmo, S.A. Honduras”, for the credit card business and electronic payments. This involved obtaining authorization from financial regulators (Central Bank of Honduras and the National Banking and Insurance Commission). • Definition and implementation of organizational structure. • Leadership in the framing of credit and collection policies in coordination with Regional Risk Unit; customer service procedures, technological improvements that have an impact on all areas of the electronic payments business, methodology implementation for salesforce, value added services for credit card products. • Guidance and leadership from different departments for maximum use of the processing platform (Total System, TSYS) compatible with the business strategy. • Member of the regional committee of Banistmo Group (Panama, Colombia, Costa Rica and Honduras) for the selection of a regional processor for credit and debit cards. • Member of the Regional Team for the definition of “Access” as the brand under which regionally market the business of electronic payments. • Main contact to Visa International. Show less BANCO HSBC HONDURAS, S.A. (known as Banco Grupo El Ahorro Hondureño, S.A. (BGA) until July 2007, before the acquisition) • Management of the Card Center as an independent Business Unit in BGA, according to the strategy of the Regional Cards Center based in Panama and in coordination with the local structure of BGA. • Definition, implementation and review of the country strategic plan, coordinated with the headquarters in Panama to achieve goals of profitability and market… Show more BANCO HSBC HONDURAS, S.A. (known as Banco Grupo El Ahorro Hondureño, S.A. (BGA) until July 2007, before the acquisition) • Management of the Card Center as an independent Business Unit in BGA, according to the strategy of the Regional Cards Center based in Panama and in coordination with the local structure of BGA. • Definition, implementation and review of the country strategic plan, coordinated with the headquarters in Panama to achieve goals of profitability and market positioning. • Formulation and monthly budget tracking according to strategy. • Creation of the company “Medios de Pago del Istmo, S.A. Honduras”, for the credit card business and electronic payments. This involved obtaining authorization from financial regulators (Central Bank of Honduras and the National Banking and Insurance Commission). • Definition and implementation of organizational structure. • Leadership in the framing of credit and collection policies in coordination with Regional Risk Unit; customer service procedures, technological improvements that have an impact on all areas of the electronic payments business, methodology implementation for salesforce, value added services for credit card products. • Guidance and leadership from different departments for maximum use of the processing platform (Total System, TSYS) compatible with the business strategy. • Member of the regional committee of Banistmo Group (Panama, Colombia, Costa Rica and Honduras) for the selection of a regional processor for credit and debit cards. • Member of the Regional Team for the definition of “Access” as the brand under which regionally market the business of electronic payments. • Main contact to Visa International. Show less



Banco Uno Honduras

• Tegucigalpa, Honduras

• Credit Cards Manager

  • Sep 1995 - Jan 2005

  1. Credit Cards Manager • Call Center Management for cross selling, customer retention, telephone customer care, boost promotions and logistical support activities (quality control, database updates, card delivery, credit cards and bank statements). This activity includes the coaching of supervisors and agents. • Main contact with credit card processor in Costa Rica (Prosix). • Main contact with Visa International. • Business Intelligence (database analysis to determine customer… Show more 1. Credit Cards Manager • Call Center Management for cross selling, customer retention, telephone customer care, boost promotions and logistical support activities (quality control, database updates, card delivery, credit cards and bank statements). This activity includes the coaching of supervisors and agents. • Main contact with credit card processor in Costa Rica (Prosix). • Main contact with Visa International. • Business Intelligence (database analysis to determine customer behavior regarding purchases, payments, use of loyalty programs, activation determining segments, past due accounts, etc.). • Budgeting of credit card business (sales, financial income and commissions, processing charges and credit risk, etc.). • Responsibility for logistics delivery of credit card statements, cards (new, replacements and renewals) • Implementation of new products and services related to credit cards. • Participation in various committees of strategy, technology and related to the credit cards business. 2. Retail Banking Manager • Monitoring sales force mortgage, cars, trust loans and credit cards. • Creation, modification and improvements for consumer banking products (loans and credit cards). • Main contact with the company's co-branded credit card (Celtel). • Budgeting of personal loans and credit portfolio. Show less 1. Credit Cards Manager • Call Center Management for cross selling, customer retention, telephone customer care, boost promotions and logistical support activities (quality control, database updates, card delivery, credit cards and bank statements). This activity includes the coaching of supervisors and agents. • Main contact with credit card processor in Costa Rica (Prosix). • Main contact with Visa International. • Business Intelligence (database analysis to determine customer… Show more 1. Credit Cards Manager • Call Center Management for cross selling, customer retention, telephone customer care, boost promotions and logistical support activities (quality control, database updates, card delivery, credit cards and bank statements). This activity includes the coaching of supervisors and agents. • Main contact with credit card processor in Costa Rica (Prosix). • Main contact with Visa International. • Business Intelligence (database analysis to determine customer behavior regarding purchases, payments, use of loyalty programs, activation determining segments, past due accounts, etc.). • Budgeting of credit card business (sales, financial income and commissions, processing charges and credit risk, etc.). • Responsibility for logistics delivery of credit card statements, cards (new, replacements and renewals) • Implementation of new products and services related to credit cards. • Participation in various committees of strategy, technology and related to the credit cards business. 2. Retail Banking Manager • Monitoring sales force mortgage, cars, trust loans and credit cards. • Creation, modification and improvements for consumer banking products (loans and credit cards). • Main contact with the company's co-branded credit card (Celtel). • Budgeting of personal loans and credit portfolio. Show less