A broad experience in Consultancy, Banking and Financial services in Spain, Germany and the UK. For the last 15 years my career developed in the Retail Banking Risk management area, in the debt services in Investment funds, and more recently in the Advanced Analytics consultancy for financial companies. Applying Advanced Analytics Solutions, Innovation, Risk Management and Stakeholder management are within my strengths. In Experian I have been responsible of the commercial proposition of advanced analytics solutions, running the Analytics Department, and acting as Collection consultant in Spain and Portugal. Expert in applying innovative solutions based on data, bespoke advanced analytics scorecards, machine learning and other innovative solutions to help our customer to achieve their goals.Previously in B2Holding as Investment Director I was responsible of the analysis, valuation and acquisition of NPL portfolios and the full recovery strategy of them.In TDX Indigo (part of Equifax group) I worked for Evo Bank, developing credit risk acquisition scorecards and implementing new strategies of collections, including launching RFP and new servicers agreements, developing new collections scorecards, implementing champion and challenger strategies and setting new pricing schemes for the servicers.Previously I worked in Gesif, part of the Cabot Credit Management Group, as deputy of the CEO, mainly responsible of the collections Operations (judicial and amicable), responsible of the finance reporting, definition and implementation of the long term strategic plan, budgeting, and developing new product and services. Responsible of areas as analysis, pricing and valuation of investments and IT.My last role in LBG I was responsible of non core lending in Unsecure lending in LBG and Asset Finance in Germany, implementing new strategies and developing new products and markets for underscored population. Good understanding of Scoring tools as main user, but having developed some predictive models too. Specialties: Pricing and Valuation portfolios, Master Servicing and collections portfolio management, Credit Cards Portfolio Management, Credit Policy setup, Product design, Profitability Analysis and modeling, Scorecard development and implementation, P&L management (forecasting, cost controls), Business Planning & forecasting, project management involving different areas.