Carlos Ferro

• Direct overall financial and administrative strategy across multiple franchise locations in the U.S., ensuring compliance, profitability, and scalability.
• Manage financial planning, P&L reporting, and corporate budgeting, integrating analytics to strengthen decision-making.
• Lead payroll and HR operations (ADP, multi-state), optimizing labor costs and ensuring compliance with labor regulations.
• Structure financing strategies, negotiate with banks, and lead SBA and LOC processes to support expansion projects.
• Oversee investor relations, ROI modeling, and corporate governance, including Advisory Board reporting and presentations.
• Apply data-driven methodologies and business intelligence tools to optimize sales forecasting, payroll ratios, and cost control.

Lead the company, which was formed to offer analytical intelligence services for decision making, with a data science approach.

A successful development of the prioritized portfolio allocation methodology, based on applying statistical models for classifying clients by probability of default and collection stage, brought significant benefits to the Bank in terms of collection management results.

Build tools to facilitate the consolidation, analysis, and reporting of transactional fraud information. Design and manage models to improve productivity and efficiency of transactional risk areas.

Performed product pricing and calculation of technical reserves. I applied technical models to measure the risk components assumed by the entity.