As risk manager I am responsible for the retail portfolios (Mortgage, Auto Loans, Personal Loans and Credit Cards) and SMBs. I oversee the credit initiation, collection, and credit card fraud units for the following countries: Dominican Republic, Honduras, Nicaragua, Costa Rica, and PanamaCredit Initiation • Create and implement policies, guidelines, and procedures for consumer credit portfolio management. Recommend changes in the credit policy.• Create and implement as needed… Show more As risk manager I am responsible for the retail portfolios (Mortgage, Auto Loans, Personal Loans and Credit Cards) and SMBs. I oversee the credit initiation, collection, and credit card fraud units for the following countries: Dominican Republic, Honduras, Nicaragua, Costa Rica, and PanamaCredit Initiation • Create and implement policies, guidelines, and procedures for consumer credit portfolio management. Recommend changes in the credit policy.• Create and implement as needed credit and loan servicing processes, identifying risks and opportunities based on the organizations business strategy and market conditions. In addition, manage credit application procedures, including the continued development and implementation of processes and standards.• Maintain risk-based pricing model, accept or reject credit recommendations, monitor periodic credit reviews, monitor credit granting and update processing.• Ensure compliance with all applicable laws and regulations concerning consumer lending.Collection and Collection Strategy:• Assist in development of segmentation and advanced analytics to drive different treatments and strategies• Drive profitability assessment of Collection and recovery strategies through risk / return analysis using financial modelling.• Work with internal and external operations teams to define specific treatments to be allocated by strategy• Monitor profile and portfolio changes across countries, products, and delinquency levelsCard Fraud Strategy and Analytics Manager• optimize revenue opportunities and minimize losses with specific regards to fraud and chargebacks in the credit card portfolio.• Manage daily and monthly reporting and the analysis of portfolio performance.• Create and maintain internal mechanisms to ensure proper controls and documentation exist relative to internal policies and procedures, as well as compliance with external guidelines (Visa/MasterCard regulations). Show less

Credit and Policy for consuming banking Nicaragua and Costa Rica.Credit Initiation • Create and implement policies, guidelines, and procedures for consumer credit portfolio management. Recommend changes in the credit policy to senior management and maintains organizations consumer credit policies.• Understand the market of consumer products and implement the products that are financially appropriate. Create and implement as needed credit and loan servicing processes, identifying… Show more Credit and Policy for consuming banking Nicaragua and Costa Rica.Credit Initiation • Create and implement policies, guidelines, and procedures for consumer credit portfolio management. Recommend changes in the credit policy to senior management and maintains organizations consumer credit policies.• Understand the market of consumer products and implement the products that are financially appropriate. Create and implement as needed credit and loan servicing processes, identifying risks and opportunities based on the organizations business strategy and market conditions. In addition, manage credit application procedures, including the continued development and implementation of processes and standards.• Provide ongoing training of the credit team, including properly motivating the credit and servicing teams. Identify and implement cross-functional process improvement opportunities.• Maintain risk-based pricing model, accept or reject credit recommendations, monitor periodic credit reviews, monitor credit granting and update processing, and monitor deductions being taken by customers.• Report on the progress and activities of the department and programs. Develop as necessary reports needed pertaining to credit for the institution.• Ensure compliance with all applicable laws and regulations concerning consumer lending. Including mediating disputes with members, while adhering to process and procedures ensuring regulatory compliance. Show less

• Ensured that projects met stated goals and objectives, by implementing periodic review of project plans and related documentation. Monitored and evaluated annual plan adjusting changes when necessary.• Develop Monitoring Matrixes and Report annual result to Head Quarters.

• Ensured that projects within the SBP met stated goals and objectives, by implementing periodic review of project plans and related documentation. Monitored and evaluated annual plan adjusting changes when necessary.• Develop Monitoring Matrixes and Annual Result Report . • Served as information liaison with host country agency representatives and other visitors. • Guided Peace Corp volunteers to leverage local and outside resources for community development activities… Show more • Ensured that projects within the SBP met stated goals and objectives, by implementing periodic review of project plans and related documentation. Monitored and evaluated annual plan adjusting changes when necessary.• Develop Monitoring Matrixes and Annual Result Report . • Served as information liaison with host country agency representatives and other visitors. • Guided Peace Corp volunteers to leverage local and outside resources for community development activities. • Reviewed all written proposals for outside funding (e.g. Small Project Assistance (SPA, PC Partnership, USAID Grants) submitted by counterparts.• Actively support collaboration within different sector (including clustering, integrated technical activities, amongst others) to promote Peace Corps/ overall programming goals.• Monitor and follow up volunteers’ jobs in the field. • Provide technical assistance to “Community Banks” and other Villages Banks.• Institutional strengthening of microfinance institutions as well as development of MF products and expanding access to housing finance for lower income populations. Show less

• Entering and review data for liquidation, disbursements, collections, travel advances, and calculation for local and international vouchers. • Calculate, prepare and types volunteer and staff payments. • Create, distribute and monitor purchase budget. • Maintain and update the logs collections and credit card transactions. • Assist in the budget preparation, as well as monitor price fluctuations, exchange rate, and new vendors. • Financial monitoring and cost… Show more • Entering and review data for liquidation, disbursements, collections, travel advances, and calculation for local and international vouchers. • Calculate, prepare and types volunteer and staff payments. • Create, distribute and monitor purchase budget. • Maintain and update the logs collections and credit card transactions. • Assist in the budget preparation, as well as monitor price fluctuations, exchange rate, and new vendors. • Financial monitoring and cost restructuring. Show less