Marla Baez Sosa

Economist with expertise in Risk Management, Automotive Credit, and Data-Driven Strategies. Specialized in transforming complex data into actionable insights to optimize decision-making, mitigate risks, and enhance business outcomes. Skilled in the development of dashboards and analytical tools that provide clear visibility of performance indicators. Recognized for strong analytical skills, assertive communication, and effective teamwork to drive innovation and deliver measurable results.

Secured Portfolio Consultant at Scotiabank (2024-07 – Present)

Designed and implemented new incentive models, reducing payments by 10% and ensuring fairer compensation across roles. Developed dashboards to enhance visibility and support strategic decisions, led data analysis, goal setting, and backtesting to optimize portfolio results, coordinated multi-area initiatives, and maintained market share while driving consistent auto loan growth.

Risk Manager at Banorte (2019-10 – 2024-07)

As an Auto Loan Portfolio Manager & Strategist, I successfully maintained delinquency at market-leading low levels, even during the challenges of COVID-19. I developed risk segmentation models and preventive collection strategies that reduced costs by 20% monthly. I managed the Floor Plan Portfolio, achieving 277% year-over year growth while monitoring over 100 distributor agencies.

Additionally, I designed upcoming hyper-personalized pre-approved credit campaigns for clients without a credit history. I also developed dashboards and automated reporting processes, enhancing business visibility and enabling faster, data-driven decision-making.

• Tested and implemented new statistical models while managing databases with SAS and SQL
• Oversaw database and credit decision engine migrations (from SDS to PowerCurve), ensuring seamless transitions and operational continuity
• Drove changes in credit origination policies to strengthen risk management
• Conducted portfolio performance analysis
• Managed the cash disposal project, achieving process optimization and improved efficiency

Operational Manager at El Palacio de Hierro (2018-09 – 2019-10)

Tested and implemented new statistical models while managing databases with SAS and SQL. Oversaw database and credit decision engine migrations (from SDS to Power Curve), ensuring seamless transitions and operational continuity. Drove changes in credit origination policies to strengthen risk management, conducted portfolio performance analysis, and managed the cash disposal project, achieving process optimization and improved efficiency.

Bachelor's Degree in Economics – UNAM (2013 – 2017)

Diploma in Economics – UNAM (2019)

Diploma in Management Skills – ITESM (2022)