Experience

GLG Ltd.

• Canada
• Business Consulting and Services
• 1 - 100 Employee

• Senior Business Consultant

  • Nov 2018 - - Kini

  o Risk & Credit Operations Head at Surtidora Departamental, Business model reengineering. 2021 - 2022o MBA Consult- Senior Business Development Consultant. Global player in the NPL (Non Performing Loans) management market, with over $1.2 billion of purchased NPL portfolios in 12 countries. 2021o Senior Consultant as council member in Gerson Lehrman Group (GLG), Guidepoint, Atheneum and OnFrontiers.o SNAP Finance LLC - Senior Business Development Consultant. New Business Development. Analyze market and builded a Business Plan, in order to start operations as a Retail Sales Finance Institution in México. 2020o Grupo Salinas – Banco Azteca, Collections & Credit Front Director. Managing a Corporate initiative with the Franchise team, to develop a Strategic Plan, Governance & Business Model and Value Offer, of the most important Business Units in Grupo Salinas. 2019o Grupo Carso – América Móvil– GlobalHitss. Sr. Advisor in a project for Grupo Sanborns and Sears. For the implementation of a retail platform in partnership with Alibaba Group. 2018 – 2019



Citibanamex

• Banking
• 700 & Above Employee

• Credit Operations CitiBusiness Director

  • Ogos 2015 - Nov 2018

  Credit Operations Director, Small & Medium Enterprises 2017 – 2018In charge of Operations in CitiBanamex Negocios, managing the Citi Business Credit portfolio (valued at 1.8 Billion USD), defining and executing operations strategies and leading the credit operations team. Reporting to CitiBanamex Operations & Risk Executive Directors, with 12 direct reports and over 200 employees.o Developed a new Citi Business Fraud Prevention Unit, implementing over 20 new controls on the origination process, detecting 10 times more deviations to due process.o Defined a new model of performance indicators and sanctions for the Sales Force, which allowed a cultural change as real accountability in the fraud prevention process.o Implemented a new phone collection process, doubling contact rate with a 20% rate payment improvement.Credit Origination Director, Small & Medium Enterprises 2015 – 2017In charge of the Credit underwriting process for Small Business with over 15,000 credit applications processed and $150MM USD booked by month. Reporting to CitiBanamex Operations & Risk Executive Directors. Managing a credit operations team of 4 Managers and 120 credit officers.o Developed a new operative model; better customer experience, reducing the response time and re process ratio by 50%, with a 20% headcount optimization.o Defined all the operative processes and business requirements for a new underwriting platform (FICO).o Successfully integrated the Underwriting, Collections and Fraud areas in a new Credit Operations Model.

• CitiBusiness & Personal Loans, Product & Operations Director

  • Mei 2010 - Ogos 2015

  Business Sponsor & Project Director, Rainbow Initiative 2012 – 2015Business Leader of a corporate transformation project, implementing an IT Platform based new business model for retail credit products: Payroll Loans, Personal Loans, Mortgages, Auto Loans & Small Business. The retail Credit portfolio valued at +10 Billion USD with a 2 million customer base. Business Leader for Technology projects in Banamex Legacy Systems, due process from requirement definition to implementation.o Defined a new operative process that supported the migration of the “New Citi Global IT suite of platforms” designed for the retail credit business sector while managing the full life cycle of the project. o Global Work Stream Director for Small & Medium Enterprises. Implementing business´s best practices.Operations, Projects, Planning & Analysis Director, Personal Loans 2010 - 2012Developed and implemented new strategies for the Business Operation, Business Intelligence and Portfolio Management groups. Improving the portfolio performance of credit products (1.5 million accounts with 60 thousand million MxP) for the Citi at Work (payroll) and Small Business (PyMEs). Reporting to CitiBanamex Credit Retail Executive Director, with 4 direct and over 50 indirect reports.o Enhanced customer´s experience strategies, including detection, diagnostics and implementation of reengineering or remedial actions, hence, reducing the complaints ratio over 30%. o Designed new payments’ and collections´ IT functionality (Business Technology projects), improving the rate of the collection process of Payroll credit by over 20%.



Citi

• United States
• Financial Services
• 700 & Above Employee

• Sales Finance and New Products Director

  • Jan 2005 - Mei 2010

  Sales Finance and New Products Director, Crédito Familiar/CitiFinancial 2005 – 2010Developed the Sales Finance Business in Mexico, including Business Model, Product, Operative & Technological platform design and implementation. Reporting directly to the CEO. With 4 direct and over 150 indirect reports.o Managed an authorized CEP (Capital Expenditure Proposal), valued at 99 million USD in Capital investment and Business operation. o Developed a fixed payment credit card product and platform (imaging, web interface, card system, collections, and accounting) with procedures, policies, MIS and controls.o Developed a nationwide dealer network of retail companies of durable consumer goods.



Crédito Real

• Mexico
• Financial Services
• 200 - 300 Employee

• Managing Director

  • Jan 1997 - Nov 2004

  Financial Institution specialized in retail credit for the acquisition of durable consumer goods.General Director 2000 - 2004o 400 collaborators; 2 Directors, 6 Managers; 5 Regional offices.o Grew credit portfolio from $4 to $100 million (USD) with one million accounts.Commercial Director 1997 - 2000o Developed a nationwide retail network with more than 200 dealers and 1,000 points of sales in the appliances, electronics, furniture, home refurbishment, motorcycle and computer markets.o Grew annual sales in 50%, with 25,000 credit applications per month.