Maria De Lourdes Freites Email & Phone Number

Toronto, Ontario, Ca

In my current role, I led the strategic roadmap of the Model and Data Risk Management area by designing and executing strategic programs.• Directed transformational journey of department from Retail Credit Risk to Model and Data Risk Management.• Designed departmental two-year strategic roadmap, focused on data, technology, and process optimization.• Executed centralized PowerBI infrastructure for department, while optimizing and automating reports.

Toronto, Ontario, Ca

In my past role, I coordinated annual retail limit-setting process for credit risk appetite. I led a team of high-performance talent focused on project-oriented activities using customer-centric data and analytics to provide strategic insights and optimize portfolio's risk and return.• Increased employee engagement from 44% to 79% (July 20 - July 21) by directing transformational journey of team to implement different innovative projects supporting strategic objectives for retail credit risk.• Generated incremental revenue (+$8.5M) and balances (+$175M) for F2022 with minimal impact on credit losses by organizing champion/challenger campaigns focusing on increasing booked volumes within highest-value affluent customers, while using machine learning models and fostering partnerships with product, finance, and analytics teams.• Improved risk appetite framework to utilize portfolio optimization techniques and customer-centric data for recommending areas of focus for capital allocation, while aligning with regulatory requirements.• Revamped market intelligence analysis to include key risk indicators in comparison to market competitors.

Toronto, Ontario, Ca

I supervised portfolio performance across Scotiabank's retail presence by developing analytical solutions. I also coordinated annual retail limit-setting process for credit risk appetite. I steered GRM Portfolio Insights team to build understanding of data, reports, and analyses delivering monthly and quarterly basis. Furthermore, I provided insights on key quarter-end results directly to CRO. Moreover, I managed team of high-performance talent focused on executive communications, trend validation, and reports to support management's strategic vision.• Recognized origination, delinquency, and provision trends, while informing revenue enhancement and loss mitigation decisions via using SQL Server, Python, Tableau, Cognos, and Alteryx by providing financial and risk insights and reports.• Resolved audit issues by improving annual retail risk appetite limit-setting process following internal audit recommendations.• Set high standards of content, meaningful metrics, and enhanced visualizations for senior executives.• Built high-performing team to develop several insights packages for senior leadership.• Enhanced insights on market trends to include USA and European Banks.

Toronto, Ontario, Ca

I directed International Banking team to provide comprehensive and strategic portfolio insights and recommendations via proactive analysis and objective challenges supporting alignment to retail credit risk appetite. I created tableau dashboards to compare bank's retail balance growth versus market competitors in Pacific Alliance region, enabling executives to dynamically visualize competitive positions in each country and region.• Decreased 80% in time-to-market by automating international banking monthly portfolio updates by transitioning from legacy data servers to enterprise data lake, using SQL Server, Python, Cognos, and Tableau.• Generated numerous ad-hoc country deep-dives to inform retail credit risk executives regarding key emerging trends, including geopolitical developments, emerging risks, and portfolio underperformance for recommending key credit life-cycle strategies to mitigate potential impacts for credit losses.

Toronto, Ontario, Ca

In this role, I executed credit risk strategies across credit lifecycle, including collections. I offered strategic portfolio insights and recommendations via proactive analysis and objective challenges supporting alignment to retail credit risk appetite by managing Mexico, Colombia, and Caribbean retail portfolios.• Ensured consistency of all credit lifecycle strategic priorities (credit line increases/decreases, authorizations, pre-approved campaigns, score models, de-risking strategies) with risk appetite.• Provided appropriate reporting to: • Monitor performance - early warning indicators. • Analyze and recommend strategy improvements focusing on risk/return optimization. • Identify credit risks exceeding risk appetite limits by using technologies, including SQL Server, SAS, and Excel.

Toronto, Ontario, Ca

I oversaw collection's business intelligence report suite by transforming monthly executive reporting. I assessed regional collections, MIS, and analytics by transforming KPIs, while engaging with SVP and Directors. Furthermore, I identified key performance indicators and transformed departmental data strategy. Moreover, I transformed key performance indicator report for collections, including several new metrics and views for executive audiences.• Reduced processing times by 30% through improving reports and analytics projects leveraging multiple BI and computer software providing multi-dimensional outline of productivity and portfolio performance.• Generated metrics as well as improved data extraction and report development processes, documentation, and business intelligence across regions by training individuals and teams.• Enhanced collections efficiencies and supported decision-making by presenting findings to executives.• Standardized metrics to comply with risk management policies utilizing SQL Server, SAS, and VBA.

New York, New York, Us

I performed written and quantitative analysis outlining key performance indicators and key risk indicators, while designing and executing ad hoc requests for origination, product managers, and collections teams. I also prepared, evaluated, and distributed loan portfolio reports based on Basel (International Banking Regulations) for Senior Management with telephone conference calls with global management.• Maintained data integrity and established end-of-month reconciliations with finance via leveraging technologies, including SAS, MS Access, Excel, and VBA, while reducing processing errors by automating processes.• Automated month-end and quarter-end reports for retail credit risk using SAS.

New York, New York, Us

I conducted analysis of accuracy for all official regulatory reporting produced by bank. I created reports (SAS, Excel, and Visual Basic) for management to get insights and better understanding of credit portfolio. I reduced processing time of regulatory reports via automation.• Ensured integrity of data and accuracy of reports by assisting finance department with month-end account closing activities as well as reconciliations between general ledger accounts and systems.• Drove key analysis to senior management by developing key models.

Master Of Management In Artificial Intelligence, Artificial Intelligence

Computer Science, Computer Software Engineering