Professional with excellent organizational skills and extensive experience in the risk sector. I am known for being a hardworking individual with strong communication skills, leadership, dynamism, proactivity, and enthusiasm. Seeking a new job opportunity to further develop professionally.
Overview
6
6
years of professional experience
Work History
Regional Risk Management Coordinator
Grupo Monge
San Salvador, San Salvador
07.2022 - 02.2024
Main role was to develop comprehensive risk management strategies and ensure the correct application of credit policies across five Central American countries. Closely collaborated with local risk managers and their teams to identify and mitigate potential risks, implementing corrective measures immediately. This involved continuous portfolio evaluations, on-site visits to identify improvement opportunities in credit and commercial areas, and building relationships with sales points and credit analyst teams responsible for investigating and managing credit lines.
Led and actively participated in key decision-making forums, where results were discussed and changes in credit policy were defined to reduce risks. Was responsible for implementing these changes through detailed work plans, coordinating with the IT team to adjust data capture systems and decision rules. Gained skills in interpreting decision models, credit scores such as FICO and credit bureaus, as well as reading credit reports.
Following internal changes, I led a team of 20 risk-focused credit analysts in the data analysis area. Ensured that regional operations had access to critical information for decision-making, both in routine reports and specific requests. Was recognized for efficiently reorganizing the area, improving productivity, and reducing delivery times by 60% through effective activity control, time management, conflict resolution, and appropriate prioritization based on operational needs.
Regional Risk Analyst
Grupo Monge
San Salvador, San Salvador
08.2020 - 07.2022
Portfolio Analysis: Responsible for evaluating the financial behavior of clients at a regional level, identifying opportunities to improve or adjust policies based on their internal performance. Conducted regular portfolio reviews to detect deviations in critical indicators and alert operations about potential risks or frauds, as well as monitored key commercial indicators to maintain sales volume.
Operational Support: I resolved various operational issues, collaborating with leaders to identify causes and design solutions. I also standardized risk policies and optimized call center processes, increasing productivity.
Project Management: Participated in executing projects within the risk area, documenting requirements for the IT team and acting as the main communication link as an area expert. Additionally, I conducted user acceptance testing (UAT) and intensive tests to ensure the quality and functionality of the projects.
Credit Data Analyst
Grupo Monge
San Salvador, San Salvador
10.2019 - 08.2020
I generated periodic reports for credit managers and participated in risk committees. I used SQL Server (basic level) and Excel (intermediate/advanced) to analyze data and operational metrics, identify trends and patterns, and provide key information for business decision-making.
I conducted benchmarking regularly to analyze direct competitors, which helped in defining more attractive promotions and increasing credit sales. Additionally, I identified areas for improvement in business processes and proposed solutions.
Ensured the proper functioning of the call center, maintained communication with the sales department, and presented key indicators to the management committee, acting as a deputy manager in their absence.
Collections Supervisor
analyizeGrupo Monge
San Salvador, San Salvador
07.2018 - 10.2019
Manage daily operations of a recovery team, overseeing the development and implementation of recovery strategies.
Set up plans to handle payments, payment plans and defaults on balances.
Lead meetings with staff to review progress on recovery objectives and identify areas for improvement.
Provide guidance and direction to team members regarding best practices in recovery operations.
Conduct employee evaluations to offer personalized feedback and coaching.
Education
Bachelor's Degree - Marketing And Advertising
Francisco Gavidia
El Salvador
12-2023
Skills
Communication
Leadership
Decision-making
Problem-solving
Data Analysis
Risk Mitigation
Excel (Intermedio / Avanzado)
SQL (Basico)
Languages
Spanish
Native/ Bilingual
English
Professional
Accomplishments
Definition and implementation of key tracking metrics for operational teams to improve response times.
Active participation in confidential, strategic and critical committees for presenting analyses on business performance vs competitors.
<ul><li>Assist in preparing Subs Annual Budgets and reviewing Subs financial reports.</li><li>Provide support and training to partners to ensure adequate support for the program component.</li><li>Conduct partner technical supportive supervision on request basis from Grants & Compliance teams.</li><li>Coordinate grantee proposal review process and ensure compliance with solicitations and donor regulations.</li><li>Coordinate pre-award evaluations and assessments of potential grantees as needed.</li><li>Analyze, verify and review grantees proposal budgets to ensure donor compliance and reasonableness.</li><li>Coordinate the assessment of grantee risk and implement appropriate systems and agreements to minimize risk.</li><li>Ensure timely and appropriate close-out of sub-grants and coordinate the close-out of EGPAF prime grants.</li><li>Provide support and training to partners finance staff to build financial and accounting capacity to ensure adequate support for the program component.</li><li>Monitor partners’ spending patterns as part of the overall project budget to actual analytics.</li><li>Follow up on Grantee monthly invoices & supporting documents</li><li>Serve as an expert on applicable policies, procedures, rules, and regulations and assist staff with their interpretation and understanding of these.</li><li>Stays abreast of donor policies, procedures, rules and regulations and host country legal requirements and informs local and regional management of significant changes.</li><li>Perform internal departmental/grants reviews ensuring compliance with Foundation and donor requirements. Identify potential areas of compliance vulnerability and risk; assists with the development of corrective action plans for the resolution of problematic issues; and provides general guidance on how to avoid or deal with similar issues in the future</li><li>Conduct on-site financial compliance reviews which include: cash counts; review of accounts receivables including employee receivables; documentation of segregation of duties and internal control structure; document storage and retention</li><li>Document findings, propose improvements or change as relevant, disseminate findings and ensure follow up implementation of recommendations as well as resolution</li><li>Conduct random surprise checks and vendor verification reviews to ensure proper procurement procedures are being practiced and report on findings</li><li>Develops an effective Compliance & Ethics training program, including appropriate introductory training for new employees as well as ongoing training for all employees and managers</li><li>Assists with improving the awareness and understanding of compliance to assist employees with the establishment of a “culture of compliance”</li></ul> at Elizabeth Glaser Pediatric Aids Foundation<ul><li>Assist in preparing Subs Annual Budgets and reviewing Subs financial reports.</li><li>Provide support and training to partners to ensure adequate support for the program component.</li><li>Conduct partner technical supportive supervision on request basis from Grants & Compliance teams.</li><li>Coordinate grantee proposal review process and ensure compliance with solicitations and donor regulations.</li><li>Coordinate pre-award evaluations and assessments of potential grantees as needed.</li><li>Analyze, verify and review grantees proposal budgets to ensure donor compliance and reasonableness.</li><li>Coordinate the assessment of grantee risk and implement appropriate systems and agreements to minimize risk.</li><li>Ensure timely and appropriate close-out of sub-grants and coordinate the close-out of EGPAF prime grants.</li><li>Provide support and training to partners finance staff to build financial and accounting capacity to ensure adequate support for the program component.</li><li>Monitor partners’ spending patterns as part of the overall project budget to actual analytics.</li><li>Follow up on Grantee monthly invoices & supporting documents</li><li>Serve as an expert on applicable policies, procedures, rules, and regulations and assist staff with their interpretation and understanding of these.</li><li>Stays abreast of donor policies, procedures, rules and regulations and host country legal requirements and informs local and regional management of significant changes.</li><li>Perform internal departmental/grants reviews ensuring compliance with Foundation and donor requirements. Identify potential areas of compliance vulnerability and risk; assists with the development of corrective action plans for the resolution of problematic issues; and provides general guidance on how to avoid or deal with similar issues in the future</li><li>Conduct on-site financial compliance reviews which include: cash counts; review of accounts receivables including employee receivables; documentation of segregation of duties and internal control structure; document storage and retention</li><li>Document findings, propose improvements or change as relevant, disseminate findings and ensure follow up implementation of recommendations as well as resolution</li><li>Conduct random surprise checks and vendor verification reviews to ensure proper procurement procedures are being practiced and report on findings</li><li>Develops an effective Compliance & Ethics training program, including appropriate introductory training for new employees as well as ongoing training for all employees and managers</li><li>Assists with improving the awareness and understanding of compliance to assist employees with the establishment of a “culture of compliance”</li></ul> at Elizabeth Glaser Pediatric Aids Foundation
Senior Manager Regional Credit Portfolio Management, Analytics & Risk Appetite - Africa Regions at Standard Bank GroupSenior Manager Regional Credit Portfolio Management, Analytics & Risk Appetite - Africa Regions at Standard Bank Group