I was the Vice President of Data Credit Experian, I am in charge of the entire business unit of SME (SMEs), offering the portfolio of value-added products and services to mitigate the different risks assumed by organizations, especially applied in the segment of Small and Medium Enterprises. I have led the change from the traditional model of the company to the Digital model through BePartners.com, was not only a change in the model of software development but a cultural change of the company. My work has been highlighted not only by the over fulfillment of the goals of the segment in charge during the years 2016, 2017 and 2018 (EBIT), but also by the improvement of internal processes in the areas and above all the improvement of the work environment that has increased the productivity of people and have seen a professional and personal growth under my administration.I was able to redefine the company's value offer, achieving a growth of 4% in the second year in the company, 7% in the third year, reaching 15 million dollars in sales and 62% EBIT. I implemented the digital business as the company's new business model, from which we expect $1 million in the first year of execution. I managed to change the perception of the segment within the company, today the team wants to work in this segment, are empowered, result-oriented and work in a very good working environment.

I was the president of my own company, dedicated to financial and risk assessment, operationally I was the president of my own company, dedicated to financial and risk assessment, operationally implementing credit systems, with annual sales of more than 350 million pesos. I had the opportunity to attend three big advisors during the mentioned period, one of them corresponded to the accompaniment in the creation of a new Microcredit company called Finánciate. I was appointed as spokesman for the trust that the investor capitalized to manage the project to start Finánciate. In addition, I implemented my own credit process for Pat Primo, Seven Seven, Facol and Fiotti, in addition to advising La Polar CF on the completion of the operation, providing support and advice to new buyers until December 2015.I implemented the credit process in Pat Primo, Seven Seven, Facol achieving 60,000 clients and a portfolio of 4 million dollars in 2 years. I also implemented Fiotti's credit process, which reached more than 200,000 dollars in portfolio in 4 months of implementation.

I was the General Manager of The Polar Financing Company, I was in charge of the entire company, from the Strategy of the same, in the Commercial aspects, Risk, in the definition of the strategy and in the operation of Credit, Collections, etc.. With responsibility for P&G and reporting to the Board of Directors. I had a successful start-up process of the company with optimal results in the operation authorization given by the Superintendence of Finance. I achieved the implementation of totally innovative projects in the market, such as having a 100% digital origination process, being the first company in Colombia to have it, including the digital signature of dematerialized promissory notes. In the same way, the purchase in stores through the fingerprint and mobile QR codes. The credit process had a duration of less than 30 minutes. I reached with my team 120,000 clients in 3 years with restricted funding resources and COP $45 billion in total portfolio. We were also able to achieve the appropriate level of risk with our own credit risk model. Finally, it was very important to have reached operating breakeven 32 months after starting operations because of a low level of administrative expense and operational efficiency.I was able to get the regulated financing company up and running in 6 months, reach operating breakeven in 38 months, reach 100,000 customers in 4 years and a portfolio of more than $18 million in that period. Finally I managed to value the company in 20 million dollars for sale. I was able to consolidate an empowered, motivated and result-oriented work team.

I was in charge of the Collections and Customer Service areas at GMAC Financiera de Colombia SA, with I was in charge of the Collections and Customer Service areas at GMAC Financiera de Colombia SA, with budget responsibility for these areas. I managed to implement a new collection model based on the statistical behavior of customers to prioritize the collection to the most risky. I had to restructure the entire collections department and implement new account allocation processes. From the new design, we achieved with the new equipment and the new model to achieve better results in portfolio containment (roll rates) and also to improve the net loss indicator. Finally, we achieved high levels of credibility for both areas by creating an atmosphere of trust and motivation throughout the team.I managed to stabilize the collection process, recover the credibility of the area, clean the portfolio and stabilize it at levels of 7% at the end of my period.

I was in charge of a team of 3 risk analysts in the area of Analytics for Peru, from Colombia, where I was able to apply the best practices and policies that worked at the time in Colombia, additionally, I developed and implemented the Portfolio Control System to analyze the quality of new accounts and product performance. It was important to design new credit strategies based on risk models in accordance with the company's global parameters for new applications of consumer products. I successfully implemented new risk policies for Citi in Peru, specifically for Crédito de Libre Inversión and Tarjeta de Crédito Visa products.

In BanSuperior I began my career in the Financial Sector, as a Training Professional, then as Analyst I - II and III and finally as Credit Risk Coordinator in the Merger between BanSuperior and Davivienda, being in charge of the development and implementation of a consolidated Information system that allowed to manage the portfolio.I was able to implement BanSuperior's own risk models and the entire credit risk management system in both Bansuperior and Davivienda. In addition, I was able to implement the risk reports for the risk committee and the presidency of the Bank, the basis for making strategic business decisions.