* Provide CRO-level leadership for fintechs and consumer lenders, designing credit, fraud, and portfolio-risk frameworks aligned with growth and profitability goals. * Assess and strengthen underwriting, pricing, segmentation, and automated decisioning across the credit lifecycle. * Build risk governance models, early-warning controls, cohort analytics, and portfolio forecasting tools. * Advise CEOs and founders on risk appetite, capital deployment, and scaling strategies. * Lead rapid-iteration experiments to validate new credit products and improve unit economics.

* Led credit policy, scoring, and portfolio-governance modernization for a $555MM USD consumer-credit portfolio, delivering delinquency <4% while scaling revenue. * Improved segmentation, underwriting, and pricing strategies to stabilize losses and grow near-prime and subprime segments. * Implemented IFRS9 provisioning frameworks, improving predictability and aligning reserves with risk appetite. * Built fraud-prevention tools, early-warning controls, and dynamic collections strategies that improved recoveries by 20%. * Partnered with Technology, Data, and Operations to streamline decisioning, increase automation, and accelerate turnaround times.

* Built the auto-loan business from scratch, defining credit policy, risk models, collections frameworks, and fraud controls. * Designed segmentation strategies and scoring criteria to support rapid scaling while protecting portfolio quality. * Established operational controls ensuring continuity of personal-loan performance.

* Directed end-to-end risk framework across acquisition, account management, pricing, fraud, and collections for large consumer portfolios. * Developed scoring models, credit policies, and champion/challenger tests improving risk-return performance. * Strengthened governance and regulatory compliance while supporting major product-launch initiatives.

Certified Wine Sommelier

Organización Nacional de Sommeliers de México (ONSOM)

2021