Carlos I. Email & Phone Number

El Paso, TX, US

San Diego, California, US

Specializing in financial technology for small businesses and consumer lending, Kredet helps companies implement modern and efficient lending processes that rely on reliable data for informed decision-making. We work and listen to our clients and develop and optimized credit policies and procedures, design credit models, and implement risk-based pricing.

Mexico City, MX

Los Angeles, CA, US

• Developed and launched a fully automated point-of-sale B2B financing solution for e-commerce, driving revenue and risk controls.
• Designed and implemented underwriting models to qualify credit applications in real time and within seconds.
• Engineered a Credit Operations Management framework that is lean, flexible, and scalable
• Raised Series A funding and secured a new debt facility in 2020, supported by the product’s low-risk profile. The portfolio held a charge-off rate of less than 7%
• Managed and serviced a loan portfolio of $50MM
• Built an alternative model to underwrite or merchant customer base using transactional data and target customers with pre-approvals

Jersey City, New Jersey, US

• Revamped the MVP working capital product and oversaw the development of a new end-to-end automated underwriting.
• The underwriting process was streamlined by designing and implementing offline and online processes, where analysts focus their efforts on blind spots only. This reduced the time to underwrite from 45 minutes to 15.
• Improved funnel conversion from 25% to 90% while reducing overall loss rates through enhanced risk management practices.
• Developed a new methodology to measure the repayment capacity while approving more dollars and reducing default.

Chicago, Illinois, US

• Worked alongside product and data science to enhance the credit model to be able to automate underwriting for loans up to $500,000
• Analyzed data sets, including bank data, tax returns, and internal payment history, and built internal benchmarks based on historical data to use as attributes in the credit model.
• Succeeded in developing one of the top company portfolios, featuring less than a 5% default ratio and the best cure rate.
• Played a crucial role in opening the OnDeck Australia credit operations team while improving sub-models used to score loan applications by providing critical feedback to the data science team.

Chicago, Illinois, US

Madison, Wisconsin, US

• Managed Loan Fund of Debt Investment and Fair-Trade Credit Finance, including credit approvals, loan monitoring, credit policy, due diligence, and FX derivatives, in seven Latin American countries
• Granted credit limits up to $5MM to Community Development Financial Institutions
• Inspired and guided a team of investment analysts, including the supervision of findings and recommendations
• Earned recognition for achieving $5MM in revenue, adding 10+ new clients to the portfolio
• Allocated quarterly loan loss reserve and administered accounting treatment of all investments.
• In charge of forecasting maturities, cash available, and liquidity

San Antonio, TX, US

• Interpreted and analyzed bank statements, financial statements, tax returns, business plans, credit reports, and more, leading to the achievement of maximum lending authority within first three months of employment.
• Assessed and identified credit strengths and weaknesses in a range of business industries as well as conducted post mortem and ongoing loan performance review for credit enhancement.
• Advised customers who did not meet credit, capacity, or policy requirements on alternative options to fit their needs.
• Exercised knowledge of a variety of loan programs and offerings, including SBA 7a & 540.
• Utilized Lift Fund proprietary credit administration and underwriting software (MMS) in order to orchestrate relationship management and credit decision making for customers.cision making for customers using Lift Fund.

San Francisco, California, US

• Guided homeowners in their request for new residential loans by demonstrating excellent interpersonal skills and a wealth of knowledge around all loan programs
• Developed partnerships and referral sources to increase leads pipeline
• Supervised monthly portfolio of 80+ loans in which 80% of loans received a final decision
• Successfully exceed and closed month-over-month the assigned quotas
• Evaluated personal credit files and financial documentation like tax returns, W-2, pay stubs, brokerage account, and interim business financials to present the opportunity to underwriters

Managed day to day administrative operation of the consulateReview and presented purchasing requests Responsible for the monthly expense reportMaintain all inventory needs of the ConsulateIn charge of planning all meeting and events held in the Consulate

Ceertification, Business Analytics, Financial Accounting & Economics For Managers

Bba, Business Management