Alejandro Espinosa

Proficient in utilizing Bigquery and Google Datastudio (Looker) for database analysis and performance metrics visualization, we've propelled branch growth into more profitable segments. This analytical approach also enhanced digital campaign strategies through Google and Facebook, leading to a significant uptick in monthly bookings, underscoring my dedication to optimizing credit risk management and contributing to the financial fortitude of your organization.

MBA with 15 years of experience in the Banking Industry working in areas of Finance and Risk Management. Focused on innovation and results. Business Intelligence Analyst certified by SAS Institute, proficient in prototyping models for calculating Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), CCAR, and other Credit Models such as Credit Application Score, Customer Score, Churn Model, Retention Model or Propensity Models. Developed credit risk teams considering descriptive statistics and segmentation analysis to perform vintage analysis of KPI’s, KRI’s, and P&L’s.

I developed product lending rules and optimized existing rules and processes as well as performed analysis of a large volume of information with a descriptive and predictive statistical approach.

MBA, Industrial Engineer with Finance experience in Credit Management with a sound background in Business Intelligence.