Director | Consultant — Strategy, Credit Risk & Portfolio Management, Analytics & Data Science
Xabios Data|New York City |2020-2026

• Advisor to businesses and financial-services organizations on credit strategy, risk management, operations, analytics, and transformation.
• Develop broad management strategies, analytics, data models, and BI solutions for clients in the USA, Asia and LATAM market.

Executive Manager | Strategy-Credit Risk Review Management & Analytics – Commercial & Corporate Banking.
Standard Chartered Bank
New York, NY |2025-2026

• Lead independent credit-risk assessments across approximately $80 billion in Corporate and Financial Institutions exposure, evaluating risk management, underwriting, portfolio performance, governance, and emerging risks.
• Lead risk-based sampling, risk ratings/line cards, issues and observations portfolio Analytics , management reporting, examination leadership, analytics, and examiner training.

Professor | Corporate Fellow- Strategic Management, MBA Program
University of Houston–Downtown |Houston, TX 2024-2026

• Teach graduate-level Strategic Management to MBA students, emphasizing enterprise strategy, competitive

Experienced Manager | Credit Risk Strategy, Controls, Compliance & Data Models Grant Thornton International New York, NY |2021-2023

• Led national and global risk-management, credit-review, regulatory, and analytics engagements for U.S. and

Senior Manager | Credit Risk Portfolio Manager &  Credit Officer
Provident Bank |New Jersy|02/2021–11/2021

• Managed credit risk across an approximately $500MM  portfolio, balancing business objectives, portfolio performance, and prudent growth.

AVP, Global Lead |Credit Risk Subject Matter Expert- Digital Transformation  
Genpact International New York, NY |2017-2020

• Partnered across Risk, Sales, Solutions, Data, and Technology to develop technology-enabled solutions for complex banking-risk challenges.
• Directing multicultural and cross-functional teams across the United States, India, and Mexico supporting major banking institutions.
• Presented risk and technology solutions to executive leadership, strengthening risk frameworks, taxonomies, documentation, data, and operating capabilities.

International Credit Risk Portfolio Manager
BBVA Compass Bank Houston, TX |2014-2017

• Managed credit risk and portfolio activities across ~$1B in international commercial lending, securities, and private-wealth finance programs.
• Led underwriting, credit analysis, portfolio monitoring, risk assessment, financial analysis, and transaction structuring for U.S. and Latin American clients.

Senior Credit Risk Underwriter | Wealth Management Banking
BBVA Compass Bank| Houston, TX |2014-2015

• Underwrote and managed credit transactions within a ~$700MM international lending and wealth-management portfolio covering U.S. and Latin American clients.
• Performed financial analysis, credit-risk assessment, portfolio monitoring, transaction analysis, and borrower due diligence to support lending decisions.

Credit Analyst — Commercial Banking
Allegiance Bank| Houston Texas

Managed underwriting analysis process for new clients and renewals growth from $80MM funded to ~$150MM in a private and commercial banking portfolio.

TECHNICAL SKILLS

Risk Management: Analysis|Underwriting| Portfolio Analytics | Risk Ratings | PD | LGD | Financial Modeling | Monitoring | Executive Reporting|Dashboard Design

Programming : Python | SQL | Excel | Tableau | Data Modeling 

AI, Analytics & Data Science: Generative AI | Prompt Engineering | Predictive Modeling | Decision Trees | Time-Series Analysis| Dashboard Design

Languages: English — Fluent | Spanish — Fluent