Melvin Martínez
Arlington,VA
Summary
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 Salvador12-2023
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.
Timeline
Regional Risk Management Coordinator
Grupo Monge
07.2022 - 02.2024
Regional Risk Analyst
Grupo Monge
08.2020 - 07.2022
Credit Data Analyst
Grupo Monge
10.2019 - 08.2020
Collections Supervisor
analyizeGrupo Monge
07.2018 - 10.2019
Bachelor's Degree - Marketing And Advertising
Francisco Gavidia
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