Highly focused and energized business specialist with the quantitative and qualitative skills to develop and drive strategies for risk management; collection optimization; price modeling; and profitability planning at Banco de Credito del Peru’s star fintech, Yape.At Yape Créditos, has spearheaded initiatives to reduce operational errors; tripled unit profit margins; quadrupled loan offerings; and accelerated adaptation to changing markets.Experience in developing and implementing machine learning solutions and in extending the reach of financial inclusion programs for underserved populations.
Yape
View- Website:
- yape.com.pe/productos/conoce-yape
- Employees:
- 1164
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Chief Of Staff And Strategy ManagerYapePeru -
Business Specialist ProficientYape Aug 2024 - PresentLima, PeruDirect report to the Head of Lending -
Business Specialist SeniorYape Aug 2023 - Jul 2024Lima, PeruYape Lending:Responsible for profitability strategy, including credit risk management, collections & pricing● Proposed and implemented changes in product configuration and loan conditions that resulted in a 3x increase in unit profit margins.● Alongside efforts to aggressively expand loan placement, worked to fine-tune lending guidelines, expanding loan offers 4x and penetrating new segments.● Joint founder of 4 cross-discipline teams, working with internal and external stakeholders to target and ramp up Yape’s loan efforts. Developed and implemented an effective governance structure for each team.● Led the profitability strategy for Yape loans to evaluate and implement optimizations in tech, pricing, collections and risk-management.● Worked to create the foundation for new product launches, including multi-installment loans. -
Business Specialist AdvancedYape Aug 2022 - Jul 2023Lima, PeruYape Lending:Responible for credit risk management & collections.● Developed and implemented tracking capabilities and KPIs for new credit products, bolstering Yape’s capacity to quickly revise credit guidelines to align with market conditions, reducing amendment times from 90 to 39 days.● Developed and implemented proprietary collections strategies, including the use of machine learning models for pre-emptive collection communications.● Pooled efforts with teams in different areas of the organization to drive financial inclusion via social media platforms; secured funding for a series of Youtube videos on good borrowing practices, which amassed over 4mm views, and to hold workshops to better understand the barriers women face when accessing credit. -
M&A And Business Strategy InternGrio - Grupo Romero Investment Office Jan 2020 - Apr 2022● Created valuation models for buyside and sellside M&A deals and was part of the due diligenceprocess for several buyside and sell side transactions for a combined TEV of US$1Bn+● Part of the strategic consulting and business development team in charge of creating Primax’snew strategy and launching 100+ value creation opportunities across all business units● Evaluation of Private Equity co-investment and alternative investment opportunities (primaries& secondaries)● In charge of valuation, performance tracking and preparing reports for the board of directors fortwo portfolio companies -
Key Investments Team InternKrealo Apr 2019 - Jul 2019● Buyside on 2 fintech deals● Research into new and current investment opportunities -
Business Development InternKrealo Jan 2019 - Apr 2019● Part of a 3-person team in charge of ideating, developing and launching a mobile POS product● Strategy implementation in portfolio companies and relationships with key stakeholders
Cesar Rios Education Details
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Economics -
Economics And Quantitative Finance
Frequently Asked Questions about Cesar Rios
What company does Cesar Rios work for?
Cesar Rios works for Yape
What is Cesar Rios's role at the current company?
Cesar Rios's current role is Chief of Staff and Strategy Manager.
What schools did Cesar Rios attend?
Cesar Rios attended Universidad Del Pacífico (Pe), Singapore Management University.
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Cesar Rios
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