Technical Underwriting• Review and approve Mortgage & Credit transactions in order to optimize the profitability of Qualis portfolio• Lead the development and implementation of Technical Underwriting initiatives and related tools and strategies • Responsible for the communication and alignment with the insurance carriers served by QualisStructured Risk Solutions• Design and implementation of efficient risk and capital solutions for financial institutions• Source… Show more Technical Underwriting• Review and approve Mortgage & Credit transactions in order to optimize the profitability of Qualis portfolio• Lead the development and implementation of Technical Underwriting initiatives and related tools and strategies • Responsible for the communication and alignment with the insurance carriers served by QualisStructured Risk Solutions• Design and implementation of efficient risk and capital solutions for financial institutions• Source, structure, negotiate and syndicate capital relief transaction using credit insurance • Develop and implement a robust analytical framework (data, pricing and reporting) to support structured risk solutions executionSpain Mortgage Insurance• Commercial and underwriting responsibility for the Spanish mortgage insurance business • Design and implement solutions that allow banks to develop a sound and profitable High LTV mortgage business• Interact with key real estate and mortgage players to prudently enhance homeownership with a strong focus on First Time Buyers (FTB) Show less

• Design and implementation of specialized financial training programs• Leading the Risk Management practice

Professor:• Deusto Business School (Spain)• IEB (Spain)• SANFI (Spain)• CEU Business School (Spain)• Universidad de Alcalá (Spain)• SAA (Italy)• ABI Formazione (Italy)• LBSF (U.K.)Visiting Professor:• Universidad Sergio Arboleda (Colombia)• Universidad del Rosario (Colombia)• Barna Business School (Dominican Republic)• Universidad Columbia (Paraguay)• MIB (Myanmar)

• Design and implementation of efficient risk and capital solutions for financial institutions• Source, structure, negotiate and syndicate capital relief transaction using credit insurance • Develop and implement a robust analytical framework (data, pricing and reporting) to support structured risk solutions execution

• Mortgage and credit insurance business development in Spain and Latin America• Definition of underwriting guidelines and overall portfolio management• Working with lenders, brokers, investors, reinsurers and real estate developers in order to develop mortgage solutions and increase homeownership across markets

Head of Enterprise Risk Management (2012-2016)• Enhanced the Company’s Risk Governance framework through the implementation of Enterprise Risk Management processes and reporting. • Formally established the Own Risk and Solvency Assessment process (ORSA) as part of the Solvency II implementation.Head of Portfolio Analytics (2005-2011)• Established the Risk Reporting and Analytics framework and properly scaled to provide internal and external reporting. • Development and… Show more Head of Enterprise Risk Management (2012-2016)• Enhanced the Company’s Risk Governance framework through the implementation of Enterprise Risk Management processes and reporting. • Formally established the Own Risk and Solvency Assessment process (ORSA) as part of the Solvency II implementation.Head of Portfolio Analytics (2005-2011)• Established the Risk Reporting and Analytics framework and properly scaled to provide internal and external reporting. • Development and maintenance of scorecard systems.Genworth Mortgage Insurance Mexico (2014-2015)• Technical support to the local team for the Solvency II implementation. • Member of the Board and the Audit Committee in representation of Genworth Inc. Show less

• Reporting to the CRO, in charge of the Credit Policy Department.• Development and maintenance of scorecards and reserve adequacy models. • Co-operation with collections and marketing.

• Design and implementation of scorecards, ratings and portfolio models (Basel II).• Client and project management including sales support and P&L ownership.

• ALM Manager (1999-2000): responsible for the bank liquidity management system.• Business Analyst (1998): member of team working on the merger between Sanpaolo and Imi.• Fixed Income Trader (1994-1997): trading / pricing of fixed bonds and derivatives.• IT analyst (1988-1993): trading / pricing of fixed bonds and derivatives.