Findo is a fintech company, focused on data science and mobile technology that is opening financial access in LATAM, we developed a unique mobile score for the underbanked, based on alternative data.We are the strategic partner of banks and financial institutions that are looking to reach new segments minimizing risk and preventing fraud.

• Responsible for DW, BI, BA, DM, servicing all areas of the Bank with reports, analytics, models, forecasts, tests and scores, adding value and deliverying business insight to solve problems and support decision making. • Report automation for shared use of business areas, risk and operations, ensuring BI adoption, training users and stimulating analytic thinking and decisioning all through the managerial level.• Design, implementation and improvements to a full report for… Show more • Responsible for DW, BI, BA, DM, servicing all areas of the Bank with reports, analytics, models, forecasts, tests and scores, adding value and deliverying business insight to solve problems and support decision making. • Report automation for shared use of business areas, risk and operations, ensuring BI adoption, training users and stimulating analytic thinking and decisioning all through the managerial level.• Design, implementation and improvements to a full report for branches managers in Qlikview. The report contains accomplishment of business and operational goals, KPIs of their portfolio, with drill downs and dimensions in order to analyze performance and take action plans. • Lead the change from monthly query-based reports to daily information in Qlikview or Cognos with thresholds and alerts. Great productivity gains in reports production.• Conduct the project design of Big Data, with early initiatives for risk and business areas and call centers (social media, web mining, speech to text and text mining).• Member of the Committee of CRM and RTD projects, supervising information and screen design, optimizing Next Best Action (measuring business rules results).• Responsible for actual and potential Customer profitability score.• Participate in Group Risk Management project (Basel II), mainly obtaining the information and putting it accessible in DW and then validating indicators Show less

• Leading Datawarehouse and BI program (IBM Cognos 10.2)• CRM design team member• Capacity and productivity optimization for the areas of IT & Ops (Origination, Customer Service, Product Administration, Logistics and Collections)• Cross working project creation and management for call centers: 15% reduction of call centers spending (TMK, Collections and Customer Service). Cross functional optimization of call centers • Reporting for Ops & IT: Monthly MIS… Show more • Leading Datawarehouse and BI program (IBM Cognos 10.2)• CRM design team member• Capacity and productivity optimization for the areas of IT & Ops (Origination, Customer Service, Product Administration, Logistics and Collections)• Cross working project creation and management for call centers: 15% reduction of call centers spending (TMK, Collections and Customer Service). Cross functional optimization of call centers • Reporting for Ops & IT: Monthly MIS, Projects & Requirements Progress, Productivity & Capacity, Details of Expenses by Area, Operational Risks, Advances in Resolution of Audit Findings • Transfer pricing for IT & Ops to the Business Units • Creation of the Datamart for the development of analysis and reports Show less

I formed an Analysis and Optimization area at Collections, where loss rates have decreased in more than 30% in 1 year. There, we started up new contact methods (SMS, Email, pre-recorded personalized messages).Tested new letter campaigns against traditional agencies increasing recovery rates.Created a full coverage MIS for better decision and focus on problem segments, maximized contactability and recovery by data mining techniques.Tested contact types (costs vs. recovery), and… Show more I formed an Analysis and Optimization area at Collections, where loss rates have decreased in more than 30% in 1 year. There, we started up new contact methods (SMS, Email, pre-recorded personalized messages).Tested new letter campaigns against traditional agencies increasing recovery rates.Created a full coverage MIS for better decision and focus on problem segments, maximized contactability and recovery by data mining techniques.Tested contact types (costs vs. recovery), and made fine tuning to the strategy. Re-engineered letters strategy (modifying target customers, text, addresses, types of letter) increasing delivery and cure rates while lowering costs. Show less

Banco Hipotecario is one of 10 largest banks in Argentina with 1 million customers and U$S1 billion portfolio.I started as a consultant (working for Meridian) in the area of Acquisitions (Direct Marketing). We developed and executed the strategy that enabled Banco Hipotecario to grow from 80,000 to 550,000 credit cards in 16 months (#1 Visa issuer during 2006).In 2007 I entered the bank as Retention and Recovery Leader where we improved good balances and reduced exposition in high risk… Show more Banco Hipotecario is one of 10 largest banks in Argentina with 1 million customers and U$S1 billion portfolio.I started as a consultant (working for Meridian) in the area of Acquisitions (Direct Marketing). We developed and executed the strategy that enabled Banco Hipotecario to grow from 80,000 to 550,000 credit cards in 16 months (#1 Visa issuer during 2006).In 2007 I entered the bank as Retention and Recovery Leader where we improved good balances and reduced exposition in high risk customers. Created retention and activation policies and actions.Design of tests, analysis and feedback for those policies.Proposed and implemented changes in renewal of credit cards, line management and collections.Products involved: Personal loan, mortgage and credit card.. Show less

Consulting Projects in Banorte and Banco Hipotecario.Strategies and models for strong growth through Direct Marketing.Credit Risk models (Acquisition, Line Management, Collections). Customers profitability optimization, re-activation, retention and balance-increase models.Banorte is one of Mexico’s largest bank with over USD$12 billion in assets. We made a re-engineering of the credit card business, developing and implementing an analytics based business model that allowed reaching… Show more Consulting Projects in Banorte and Banco Hipotecario.Strategies and models for strong growth through Direct Marketing.Credit Risk models (Acquisition, Line Management, Collections). Customers profitability optimization, re-activation, retention and balance-increase models.Banorte is one of Mexico’s largest bank with over USD$12 billion in assets. We made a re-engineering of the credit card business, developing and implementing an analytics based business model that allowed reaching 1MM (8% market share) cards from 250,000, duplicating existing account balances, and lowering by 20% underwriting related losses over a 20 month project. Show less

Credit card portfolio risk management (160,000 customers), leading a group of three analysts.Definition and implementation of policies for: Pre-screening, reactive and proactive credit line management, renewals, percentage of minimum payment, interest rates,etc, based on statistical analysis with SAS. Proposals and impact analysis of campaigns and policies changesStrategic reduction of portfolio exposure during the crisis by risk level and revenue.Project Manager for the CRM… Show more Credit card portfolio risk management (160,000 customers), leading a group of three analysts.Definition and implementation of policies for: Pre-screening, reactive and proactive credit line management, renewals, percentage of minimum payment, interest rates,etc, based on statistical analysis with SAS. Proposals and impact analysis of campaigns and policies changesStrategic reduction of portfolio exposure during the crisis by risk level and revenue.Project Manager for the CRM. Desinged Process flows for automating manual processes and for campaigns implementation. Coordination with IT, Call Center, Back Office, Marketing.Creation and supervision of monthly risk reports.Creation and implementation of Payment incentive programs for specific high expected loss rates segments that obtained 20% reduction in annual losses. Recovery was maximized by targeting customers with offers according to past payment capacity.. Show less

Advising individual and corporate customers on investments. Local and international Investment Funds, bonds and equities. Tailor made portfolio: Elaboration and follow-up

Creation and development of customers’ portfolio for a branch, credit evaluation, customer service, advising (Bimonetary accounts, Gold credit cards, Personal loans, mortgages, Investment Funds).