FP&A

• Oct 2022 - Present

Credit and Risk Analyst

• Jan 2021 - Present

• Performed credit and financial analysis on loans and leases, measuring the risk by carefully evaluating companies’ financial statements, business models, contract structure and databases (BdE, Equifax-Asnef, Informa…).• Analyzed Iberia’s (Spain & Portugal) portfolio, identifying and extracting potential trends in the behavior of different markets, clients and dealers from large volumes of data and KPIs (arrears, cost of risk, credit ratings…). I reported this information to management on different committees to facilitate decision making.• Data Quality project: ensuring data accuracy and correcting incoherences in order to optimize RWA (risk weighted assets) and capital ratios.• Anti-Fraud project: identifying and developing fraud red flags. Show less

Departamento de Operaciones

• Jul 2018 - Dec 2020

• Handled refinancing of debts, contractual subrogations and reservations of title.• Processed insurance claims and computed insurance premiums to be paid.• Carried out indexed interest rate reviews and early redemption of contracts.• Managed invoices, clients’ payments and accounts netting.

Becario en Departamento de Transformación digitaly Productividad

• Aug 2017 - Jul 2018

• Reviewed and adjusted pricing of financing operations (mortgages, consumer loans, credit lines, SMEs loans…) in line with established policies. • Evaluated digital transformation processes. • Developed and implemented customer acquisition strategies. • Reviewed and adjusted pricing of financing operations (mortgages, consumer loans, credit lines, SMEs loans…) in line with established policies. • Evaluated digital transformation processes. • Developed and implemented customer acquisition strategies.

Becario

• Jul 2017 - Jul 2017

Becario en Departamento Jurídico

• Oct 2015 - Dec 2015