Alejandro Dominguez Email & Phone Number

Wichita, Kansas Area

• Leading the transformation of Collections Operations into a Risk-Based operation by developing robust Risk Models and Strategy, resulting in enhanced portfolio performance and reduced credit losses.• Manage Credit Line Management and Cross Product Conversion programs for US and Canada portfolios, optimizing portfolio lifetime value, minimizing Risk exposure and maximizing lifetime revenue.• Leading the expansion and optimization of payment channels, including the development of new channels through external vendors or internal initiatives, to streamline collections processes and maximize recovery.

Dallas/Fort Worth Area

• Directed all aspects of Risk Management to support the expansion of Crédito Real USA, including the development of Credit Underwriting and Collections policies and procedures, improving Risk mitigation and operational efficiency.• Managed Underwriting, Collections, CPI (Collateral Protection Insurance), Risk Analytics and Modeling and Titles departments, ensuring adequate collateral flow from front-end underwriting through recovery processes.• Managed relationships with Credit Reporting agencies, Warranty and Insurance providers, Repo and GPS vendors, Indirect Lenders, and Recovery Agencies.

Dallas/Fort Worth Area

• Established Credit Underwriting and Collections infrastructure for a startup offering unsecured loans to the unbanked/underbanked Hispanic community, achieving exceptional performance with lifetime net losses below 8%.• Created and implemented comprehensive Risk, Credit Underwriting, and Collections policies, procedures, predictive Risk models and operational processes, ensuring sound risk management practices and regulatory compliance.• Developed in-house front-end loan origination and payment interfaces, application verification systems, underwriting and scoring interfaces, and collections management systems, building the ecosystem around the loan management system.

Dallas, Tx

• Led a team in achieving significant reductions in collection balances and charge-offs, contributing to annual portfolio performance improvement of nearly $3 billion and $150 million respectively.• Designed, developed, and implemented tests and risk strategies aimed at reducing front-end delinquency, minimizing pre-foreclosure and back-end collection volumes across Prime, Subprime, and Home Equity portfolios.• Worked closely with Collections Operations to continuously test and improve Risk Based strategies to reduce portfolio Roll Rates and prevent account movement from early collections to pre-foreclosure stages.

Greater Los Angeles Area

• Successfully turned around Risk and Collections departments, restoring profitability during the economic crisis by implementing innovative Risk Underwriting, Portfolio Management and Collection Strategies.• Redeveloped Credit Underwriting models and strategies; introduced an Authorizations score to enhance transactional Risk assessment and implemented Propensity to Pay collection scores to optimize collections effectiveness.• Played a pivotal role in transforming the marketing organization from a traditional catalog-based approach to a data-driven, customer-centric model, resulting in improved customer profitability and lifetime account management.

Dallas/Fort Worth Area

• Designed and implemented credit underwriting strategies to optimize performance in payday and installment loan portfolios, driving continuous improvement through champion and challenger testing.• Led the development of all analytics and product risk modeling to launch the ThinkCash installment loan product, diversifying the company's product portfolio and expanding market reach.• Developed risk forecasting and modeling frameworks to support product launches and monitor performance, ensuring alignment with Risk Management objectives.

Dallas/Fort Worth Area

• Led the development and implementation of Risk based strategies for product underwriting, customer credit behavior management, and product pricing across diverse portfolios including Personal Loans, Credit Cards, and Sales Finance in the Latin America region.• Collaborated with cross-functional teams in CitiFinancial, including Credit, Collections and Marketing, to execute Risk Based strategies, track test performance and continuously deploy improved strategies.

Miami/Fort Lauderdale Area

• Directed a team of Risk analysts in implementing and measuring tests to support Risk and Marketing objectives across various departments, including Consumer Cards, Merchant services, Corporate Cards and Membership Rewards.• Played a key role in launching Platinum Cards and Airline Cobrand Cards across the Latin America region, contributing to the company's market expansion and revenue growth.• Developed SAS analytics applications to automate monitoring of tests, enabling efficient tracking of performance across markets and products.

Ba, Computer Information Systems

Mba, Global Management