SQL
Edwing Jose Hernandez Garcia
Systems Engineer
San Francisco,California
Summary
Results-driven banking professional with 15 years of comprehensive
experience in credit risk management and regional collections. Proven expertise in devising effective strategies, leveraging statistics, and leading cross-functional teams to mitigate credit risk and optimize collection processes. Adept at data analysis, stakeholder engagement, and driving strategic initiatives to enhance financial performance.
Overview
17
17
years of professional experience
8
8
years of post-secondary education
2
2
Languages
Work History
Head of Strategies and Statistics
American Central Bank, Group AVAL | NIC
09.2003 - 11.2016
- Developed and executed credit risk management
strategies that led to a 15% reduction in
non-performing loans within the first year of
implementation - Led a team of analysts in utilizing advanced
statistical models to assess creditworthiness, resulting
in improved accuracy and reduced credit losses - Collaborated with senior management to align risk
management strategies with business objectives,
ensuring a balanced approach to risk and reward - Provided actionable insights from data analysis to
support informed decision-making in credit
origination and risk assessment processes.
Collections Manager
LAFISE Group
, Nicaragua
11.2016 - 11.2018
- Managed regional collections operations, achieving
a 20% increase in collection rates through process
optimization and team motivation - Implemented an automated collections system that
improved efficiency, reducing the average
collection cycle by 25% - Developed and implemented training programs for
collections teams, resulting in enhanced negotiation
skills and customer interaction - Collaborated with legal and compliance teams to ensure collections practices adhered to regulatory guidelines.
B2B Corporate Consultant
Millicom International Cellular
01.2019 - 12.2020
- Developed complete business plans and operational strategies for new and existing business.
- Performed as consultant for startup business in areas of marketing, logistics, and training to various behavioral healthcare service professionals.
- Evaluated situations and delivered targeted solutions using various tools and resources.
- Applied performance data to evaluate and improve operations, target current business conditions and forecast needs.
Education
MBA - Business Administration And Management
Thomas More University
Nicaragua 01.2014 - 01.2016
Systems Engineer - Systems Engineer
University of Commercial Sciences
Nicaragua 01.2002 - 12.2007
Skills
Statistical Analysis
Software
Microsoft Office
Power BI
Crystal Report
Timeline
B2B Corporate Consultant
Millicom International Cellular
01.2019 - 12.2020
Collections Manager
LAFISE Group
11.2016 - 11.2018
MBA - Business Administration And Management
Thomas More University
01.2014 - 01.2016
Head of Strategies and Statistics
American Central Bank, Group AVAL | NIC
09.2003 - 11.2016
Systems Engineer - Systems Engineer
University of Commercial Sciences
01.2002 - 12.2007
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