Summary
Overview
Work History
Education
Skills
Certification
Key Qualifications
Timeline
Generic

John Wilson Ramirez Arcila

Strategic Financial Risk Specialist For Underserved SMEs
Tomball,TX

Summary

Strategic Financial Risk Specialist with over 11 years of leadership in credit risk mitigation, SME financial inclusion, and data-driven portfolio recovery. Developer of the proprietary “Semáforo de Control” model, which reduced loan defaults by 20% and enabled $25 million in responsible lending. Managed portfolios exceeding $36 million and led high-performing teams across public and private institutions. Deeply engaged with Houston’s Hispanic business community, and uniquely positioned to scale innovative credit access systems aligned with U.S. priorities for economic resilience, minority entrepreneurship, and systemic risk reduction.

Overview

14
14
years of professional experience
4046
4046
years of post-secondary education
6
6
Certifications
2
2
Languages

Work History

Founder & Director

Koby Auto Broker LLC
Houston, TX
01.2022 - Current
  • Implemented 'Semáforo de Control' system to enhance SME creditworthiness.
  • Facilitated $2M in automotive transactions and trained 50+ Hispanic entrepreneurs in financial literacy.
  • Built partnerships with 5 credit unions managing $500M in assets.
  • Designed and launched a digital loan platform reducing processing time by 30%.
  • Developed strong partnerships with other businesses to allow for collaboration and more significant opportunities for growth.
  • Established a successful business by identifying market needs and developing innovative solutions.
  • Implemented efficient operational processes to optimize productivity and resource allocation.

Regional Portfolio Coordinator

Postobón S.A.
Medellin, Colombia
01.2018 - 01.2022
  • Managed $120M portfolio; achieved 110% of performance targets in credit recovery.
  • Led regional teams and implemented advanced credit monitoring strategies.
  • Coordinated portfolio recovery across five affiliated companies within the beverage group.
  • Conducted detailed portfolio reviews to evaluate performance against benchmarks and identify areas for improvement.
  • Implemented best practices in project documentation to maintain organized records for easy reference during audits or reviews.
  • Facilitated the successful launch of new products by coordinating resources, timelines, and deliverables effectively.

Regional Credit Negotiation Coordinator

Banco Agrario De Colombia
Bogota, Colombia.
01.2016 - 01.2018
  • Reduced default rates by 20% through innovative portfolio segmentation.
  • Managed 15 professionals across 6 zones; surpassed collection targets by 110%.
  • Developed alliances with collection firms, increasing localized recovery efficiency.
  • Improved team productivity with regular communication and progress updates, fostering a collaborative work environment.
  • Managed project timelines for successful completion, ensuring milestones were met and deadlines were adhered to.
  • Coordinated cross-functional teams, resulting in seamless project execution and enhanced outcomes.

Marketing and Risk Management Roles

Banco Agrario De Colombia
Bogata, Colombia.
01.2011 - 01.2016
  • Developed SME-targeted financial products, including agroinsurance and a specialized credit card.
  • Led national-level projects under government programs (e.g., FONSA).
  • Generated $5M+ in new revenue via tailored rural financial strategies.
  • Skilled at working independently and collaboratively in a team environment.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Strengthened communication skills through regular interactions with others.

Education

Specialization - Finance Management

Politecnico Grancolombiano
Calle 57 No. 3-00 Este, Bogotá, D.C., Colombia

M.A. - Strategic Marketing Management

Politecnico Grancolombiano
Calle 57 No. 3-00 Este, Bogotá, D.C., Colombia

B.A. - Business Administration

Universidad El Bosque
Av. Carrera 9 No. 131A-02, Bogotá, D.C., Colombia
05.2001 - 01.2011

Skills

  • SAP software proficiency

  • Advanced Excel proficiency

  • AS400 system management

  • Digital Community Management

  • CRM Systems

  • QuickBooks

  • Credit Risk Modeling

  • Portfolio Analytics

Strategic thinking

Team engagement

Business development

Entrepreneurial and innovative

Business administration

Business planning

Certification

Certificate of Innovation in CRM Implementation, Koby Auto Sales LLC, 2025

Key Qualifications

Master's in Strategic Marketing Management, Politecnico Grancolombiano, Colombia, 2015, Specialization in Finance, Politecnico Grancolombiano, Colombia, 2021, Bachelor's in Business Administration, Universidad El Bosque, Colombia, 2011, Demonstrated success implementing financial systems at Postobón S.A. and Banco Agrario de Colombia; now leading initiatives through U.S.-based ventures including Koby Auto Broker LLC., Projected $50 million in economic contribution, 1,500 jobs preserved, and $10 million in risk mitigation through targeted support to Hispanic-owned SMEs., As a bilingual Colombian immigrant and trusted community leader, delivers culturally relevant solutions that improve SME credit access and financial literacy.

Timeline

Founder & Director

Koby Auto Broker LLC
01.2022 - Current

Regional Portfolio Coordinator

Postobón S.A.
01.2018 - 01.2022

Regional Credit Negotiation Coordinator

Banco Agrario De Colombia
01.2016 - 01.2018

Marketing and Risk Management Roles

Banco Agrario De Colombia
01.2011 - 01.2016

B.A. - Business Administration

Universidad El Bosque
05.2001 - 01.2011

Specialization - Finance Management

Politecnico Grancolombiano

M.A. - Strategic Marketing Management

Politecnico Grancolombiano

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