Ricardo Angles Email & Phone Number

Santiago De Chile, Chile

Coordinate all Finance and Administration functions of the Company, in Chile and the United States.

Santiago De Chile, Chile

Developed financial models for business forecasting, to support management decision-making and presentations to investors and banks.Designed internal processes to coordinate between the Company and external provider of finance and administration services.

Montevideo, Uruguay

Responsible for Treasury, Collections, Administration, and Financial Reporting.

Santiago De Chile, Chile

Key Responsibilities:• Cash Management, Credit & Collections, and Foreign Trade departments, with team of 15 employees. Including support of Sipetrol Argentina operations.• Annual monthly payments: US$ 8.1 billion. Annual inflows: US$ 11,5 billion. Key Achievements:• Defined and implemented corporate payment calendar, adjusting payment frequency according to supplier segmentation, simplifying cash needs forecasting, and providing suppliers with greater transparency of expected payment dates.• Championed several automation projects, including payments to third parties, web-based payment platform for customers, collections processes, and custody of guarantees; under SAP and other platforms; with connection to external banking and FinTech systems.• Tendered and awarded the first outsourced pre-legal and legal collections process carried out by the company.• Member of the coordinating committee of the 2018 tender for banking services: outsourced currency transactions, US$ and local currency investments, and payment to suppliers in foreign currency.

Santiago De Chile, Chile

Key Responsibilities:• Product development and distribution of Life insurance thru indirect channels: Mass Market, Brokers, and Credit Life. Key Achievements:• Coordinated evaluation and pricing of Disability and Survivor Insurance for the 2014-2016 bidding process.• Closed 2013 with US$ 35.1 million in premiums, 6% over budget.

Santiago De Chile, Chile

Key Responsibilities:• Commercial results of distribution channel for Life and Personal Accident, leading a sales force of over 100 Insurance Advisors nationwide.• Coordinate SLAs with Operations and Benefits departments.Key Achievements:• Increased average productivity of Advisors by 41% and grew annual revenues by 24%.• Affected turnaround in the bottom line, from net loss of US$ 450 million in 2008 to a gain of US$ 93.4 million in 2010.

Santiago De Chile, Chile

Key Responsibilities:• Funding strategy and money desk results of the division; monitor market risks for Regional Office reporting.• Issue management reports on branch and sales channel performance, manage calculation of performance bonuses. Key Achievements:• Designed and implemented funding structure for GCG, which anticipated Central Bank interest rate hikes, generating savings of US$ 460K in funding and reserve requirements.• Negotiated and coordinated a standard cost analysis project with external consultant Deloitte, with a 56% savings over initial project quote.

Buenos Aires, Argentina

Buenos Aires, Argentina

Key Responsibilities:• In charge of Planning, Accounting, Tax, Internal Audit and Central Bank Reporting departments.Key Achievements:• Led the financial accounting changes required within the new economic situation, with the elimination of the peso-dollar convertibility, the indexation of credits, and an unstable environment of accounting and tax regulations.• Coordinated the development of relaunch proposals, for presentation to Regional Office and the Board of Directors of Ford Motor Company. In June of 2003 the company approved the relaunch of wholesale financing, and in December for retail financing.

Buenos Aires, Argentina

United Kingdom

Buenos Aires, Argentina

Key Achievements:• Positioned Ford Credit as leader in new product development, launching Ford Credit Select, joint programs with Ford Motor Company, balloon loans tailored to customer needs, irregular payment programs for the agricultural sector, and 0% APR financing for used cars.• Increased penetration of new car financing in Ford dealer network from 64% to 90%.

Buenos Aires, Argentina

Key Responsibilities:• Launch the commercial structure and the value offer for this segment.Key Achievements:• Recruited and trained branch credit officers; developed credit policy and procedures tailored to this segment; coordinated systems projects for customer segmentation and new product implementation. • Achieved a 400% increase in customer accounts during the first year.

Buenos Aires, Argentina

Madrid, Spain

International Financial Reporting Standards Ifrs - Applications

Big Data Y Business Analytics

Interpret data structures supporting Big Data analysis. Design projects, apply analytics tools and models to support decision making.

Master Of Business Administration - Mba, Finance, General

Graduate with High Distinction

Ba, Mathematics, Computer Sciences

Resident Assistant during my Junior and Senior years

High School Diploma

Education record