Public Accountant with Master degree in Economics and Finance
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Public Accountant with Master degree in Economics and Finance. Wide experience in credit operations and credit accountability. Local and regional banking norms and regulations. DB Management for MI, KPI's, reporting, analysis and collections strategies. Collections segmentation models, debt sale pricing model and debt sale strategy based on tax benefits and expected recovery. Collection strategies to reduce roll rates, increase cash collected, reduce loss impairment charges and debt sale.
Units for secured portfolios (Mortgages-Business Banking and Autos). Global team's management, focus on results under pressure environment. Strong interpersonal leadership and motivational skills to create a goal oriented work environment. Highly motivated, self-disciplined, hard working with the ability to adapt quickly and effectively to new environments. Utilizes a visionary approach to achieve corporate objectives and strategic initiatives.
Collections Senior Manager at Citibanamex Financial Group (2018-11 – Present)
Responsible of the correct deployment of Collections front end strategies on the call center. Manage retail portfolios (TDC, personales, hipotecas y pymes). Front End call center management. Analysis of trends and portfolios behavior. Operative implementation of collections strategies to reduce NCL.
Sales and Services - Regional Head of Collections at Provident Financial Group (2017-03 – 2018-08)
Responsible for designing and implementing collection strategies for micro personal loans nationwide (63 branches and 50 interview rooms). Loss Mitigation for Sureste region (6 branches 3 interview rooms) and Metropolitan North region (3 Branches). Analysis and portfolio forecast, collections and WO accounts. Redesign zones and territories for collections performance.
Loan Complain Department, Loans Analyst at HSBC MEXICO (1997-12 – 1999-07)
Loan Information Department, Advisor for Loan Information and Control at HSBC MEXICO (1999-01 – 2001-12)
Loan Information Department, Project Leader for Certified Accounting Statements at HSBC MEXICO (2001-01 – 2002-12)
Loan System Department, Project Leader for loan Systems at HSBC MEXICO (2002-01 – 2004-12)
Collections; Strategy, Metrics & Analysis Manager at HSBC MEXICO (2004-01 – 2009-12)
Collections Analytics; Collections Strategy Senior Manager for Business Banking at HSBC MEXICO (2009-01 – 2010-12)
Collections Strategy Senior Manager for Charged Off, Legal and Real Estate Owned at HSBC MEXICO (2010-01 – 2014-12)
Risk Collections Analytics Senior Manager at HSBC MEXICO (2014-01 – 2016-10)
Project Management, development and deployment of global, regional and local strategies for reengineering processes, increase profitability, expenses reduction and risk management for loans.
Authorities reporting (CNBV, BM, ABM), internal reporting for Auditing, Accounting and Finance. Bonus scheme management for phone and field collection agents.
Management (Collections Strategy, invoicing, auditing, in site management). MI, KPI's and Analysis for collections strategies. Operative and Strategic MI. Management of incentive and Bonus Scheme for external agencies and attorneys.
Management non legal and legal. Feedback to origination risk models, portfolio owners and credit risk department (Vintage analysis).
Management for Cards, Personnel loans, Pay roll, Business Banking, Mortgages & Auto Loans.
Management for secured loans (Mortgages, Business Banking and Auto loans).
Owned sales strategies.
End, Back end & Charge off collections strategies.
Teacher at Universidad del Valle de Toluca / Centro de Estudios Superiores Olimpo (2003-09 – 2019-12)
Advisor designing curriculum for and providing innovative instruction to Administration students in four different disciplines: Management Science, Project Valuation, Thesis Seminar, Money and Capital markets. Advisor designing curriculum for the University and providing instruction to Master in Economics Students in three different disciplines: Macroeconomics, Microeconomics, International Economy.
Ph.D. in Education – Instituto Universitario Internacional (2019-01 – 2021-12)
Master in Economics and Finance – Universidad Autónoma del Estado de México (2000-04 – 2002-09)
Public Accountant – Instituto Tecnológico y de Estudios Superiores de Monterrey Campus Toluca
