Alejandro Rodriguez Perez

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.

Loss Mitigation

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.

• Call Center Management (32 advisors – 640 agents) 2019; (75 advisors -1600 agents) 2020
• Overstaff management without impact on KPI's (FTE's reduction ~200)
• Specialized group for remedial plans (RMT's)
• Universal agent (Testing agents managing both services, collections and customer services)
• Special projects: WFH Collections 900 agents on remote collections (operative implementation)
• W10 migration of 900 laps + 300 desktops
• Nice and CUDT 2.0 migration (1,400 users migrated)

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.

• Manage on Sureste region 60 k customers and a portfolio of 15 USD millions in 6 branches
• Loss mitigation installing a SWAT team of 12 people in strategic positions to deploy the strategy in operation areas
• Impacts 4Q17 loss mitigation increasing collections to debit in 1,000 bsp (C%D 53% -63%) ~1.5 usd million
• Manage Metropolitan North region 15 K customers and a portfolio of 3.75 USD millions in 3 branches
• Managing for growth strategy increasing during 1Q18 1K customers and 0.25 USD millions
• Collections increase during 1Q18 in 300 bsp form C%D 57% to 60%. Loss mitigation of ~0.12 usd millions
• Branches headcount optimization based on spam of control. Increase Development Managers (DM) spam of control up to 400 customers, reducing 12 DM positions. Impacts ~65 K usd annual savings

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.

Local

Authorities reporting (CNBV, BM, ABM), internal reporting for Auditing, Accounting and Finance. Bonus scheme management for phone and field collection agents.

Collection Agencies

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.

External Agencies

Management non legal and legal. Feedback to origination risk models, portfolio owners and credit risk department (Vintage analysis).

Retail Collections

Management for Cards, Personnel loans, Pay roll, Business Banking, Mortgages & Auto Loans.

Legal Strategy

Management for secured loans (Mortgages, Business Banking and Auto loans).

Real Estate

Owned sales strategies.

Front

End, Back end & Charge off collections strategies.

• External Agencies Cash collected increased ~ 20 million USD 2014
• Total portfolio managed ~2.3 Billion USD
• Expenses reduction on agencies invoicing ~2 million USD 2013
• Agencies reduction from 20 to 5 agencies. Optimization Model implementation
• Real Estate Owned management of ~500 properties; property sales of ~150 annually
• Definition and implementation of debt sale process. Sale Pool of ~240 million USD
• Global exposure and team work (US, CANADA, BRAZIL, INDIA, UK)
• Global Team management. 3 FTE's on Calcutta developing optimization models to maximize cash collected from agencies
• One FTE on Canada managing the Debt Sale process to assure best practices and compliance of group policies
• Global projects management to reduce regional losses
• Loss Mitigation Units implemented on Call Center for specialized collection actions for secured loans (Mortgages and Business Banking). Net Realizable Value tool development (NRV) for better making decisions, reducing legal expenses and loss mitigation for loans. Impacts ~1 Million USD 2015
• Global standards for collections deployment. (Adopt the highest and strength controls from group) for collections to prevent the finance crime
• MI's for controlling, monitoring, reporting and decision making for 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