Jose Hurtado Email & Phone Number

Zurich, Switzerland

Zurich, Switzerland

Bern, Berne, Switzerland

• Started my own consulting business, providing Business Intelligence solutions to small businesses and individuals• Designed a Tableau-based biotech integrated database aimed at traders seeking to identify biotech opportunities• Acquired technical skills such as D3.js, UNIX, and GitHub, and strengthened R and Python programming.

Washington D.C. Metro Area

The Cash Flow & Overdraft Lane has a mission of increasing financial confidence of our customers. We do this by making statements transparent and accessible, giving customers a heads up when their transactions don't look quite right, and being there with inexpensive overdraft coverage when they need a bit of help to make ends meet. And finally we are always working to help our customers save more, so they are prepared when life throws surprises at them. I lead the Horizontal Analytics team. My team focuses on driving the innovation agenda within the Lane. As such, we develop scalable data solutions that help enable the strategic agenda and initiatives. We leverage innovative tools and platforms such as: AWS, Redshift, Hadoop, Python, Teradata. We also foster self-servicing analytics through Business Intelligence tools (e.g. Tableau, D3) that are intuitive, insightful, and automated.

Washington D.C. Metro Area

Washington D.C. Metro Area

Richmond, Virginia Area

Structure, implement, track, and manage division’s direct mail marketing acquisition strategy, leading team of <5 associates in researching and preparing market forecasts, establishing and reporting key project metrics, and designing aggressive and productive acquisition initiatives to attract small business owners; develop and launch business-as-usual marketing campaigns. Diligently manage direct mail budget to control money flow; track marketing operations to identify and capitalize upon opportunities to streamline and improve forecasting, metrics, data acquisition, and reporting processes. Mentor, manage, and develop new associates from hire through promotion.• Played key role in leading team that redesigned list acquisition strategy for direct mail, achieving 60% reduction in marketing expenditures and a 10% increase in accounts booked.• Introduced mail intensity strategies which doubled acquisition of accounts in targeted segments.

Coordinated and launched customer-centric business enhancements to capitalize upon rising web-based marketing opportunities. Key projects included coordinating Search Engine Marketing (SEM) testing. Headed special project teams charged with identifying and mitigating web-based fraud risks; performed business-critical research of market indicators and market tests to create detailed financial models, valuations, and performance metrics supporting and optimizing program implementations. • Successfully designed and executed Small Business Lending area’s first Search Engine Marketing test, achieving increase of 20% over Internet ambient volumes.• Introduced Small Business Lending Division’s first-ever e-mail marketing effort toward selected segments.

• Instrumental in developing “day-one” marketing strategy that provided critical groundwork for company’s subsequently successful expansion into Mexican market.• Astutely identified marketing cost components that allowed company to reduce costs 20% after initial testing period of Latin America expansion project.

• Designed customer retention program for Installment Loans division that increased monthly saved assets by 250% within 7 months, positioned company to retain $230 million in assets in 2004, increased customer contact rates by 100% within 2 months, and identified new retention segmentation that yielded 20% lower risk than previous segmentation.

Identified hgh-potential, low-risk marketing channels to swiftly increase Hispanic client base. Performed business-critical research of market indicators, conducted market tests, and created detailed financial models, valuations, and performance metrics supporting and optimizing program implementations. • Increased response of Hispanic customers by 110% by implementing innovative telemarketing and direct marketing strategies, developing unique credit policy based on population risk expansion, and expanding offerings to include auto finance products

Tasked with strategic planning, optimization, and administration of $1-million marketing / product management budget. Conducted research of existing and niche markets to inform development of key marketing initiatives to expand client base and increase account usage by current customers. Performed risk analyses, generated financial models, and structured recommendations for senior management to facilitate executive decision-making, consistently capturing approval for credit card department’s strategic marketing plans. Closely tracked consumer response to credit card products and promotions. • Triggered 20% net increase in credit card accounts.• Coordinated launch of rewards program that drove 30% increase in credit card usage among prime segments.

Education record

Bachelor'S Degree, Economics