Alejandro Gallardo Garduño
CDMX
Summary
Forward-thinking leader with innovative and clear vision to guide cohesive and high-performing teams to accomplish challenging objectives.
Director in Pricing, Credit Risk methodologies, Collections and Business Analysis with experience transforming data in business insights, definition of pricing and credit strategies, developing Models and Tools to assess and mitigate Credit Risk in Financial Institutions. Depth understanding of Portfolio Management and Predictive Models Development for expected losses, Credit Life Cycle and Pricing Advances and Management.
Overview
19
19
years of professional experience
Work History
Credit policy Vice President
Grupo Afirme
01.2024 - Current
- Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
- Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Collaborated with senior management to develop strategic initiatives and long term goals.
Principal Manager Pricing
BBVA Perú
05.2021 - 08.2023
- BBVA Continental is the second top Bank in Perú with more than 25Blln assets under management and a diversified portfolio of credit, investment, deposits and Multiple banking products
- Mandate: Provide modelling, advisory and execution of fees optimization, deposits and lending prices
- Assure precise calculations for the cost-plus structure of prices for the deposit and lending products in
- Corporate and Enterprise Banking and for Retail products such as Credit Cards, Personal Loans
- Mortgages, SME’s, and vehicle loans
- Definition and implementation of the whole pricing strategy for Enterprises and Retail Products
- Provide pricing strategies in order to increase market share and total billing
- Assure the profitable growth of the credit and deposits portfolios.
- Implemented and developed operational standards, policies and procedures.
- Provided strong leadership to enhance team productivity and morale.
Credit Models Director
Banco Azteca
03.2020 - 04.2021
- Banco Azteca is one of top 10 banks in México with more than 4.5 $mm usd receivables, more than 8 million clients and more than 2,000 branches in México
- Banco Azteca also does business in Guatemala, Panamá and
- Honduras
- Mandate: Support business objectives by segmenting the credit portfolio and providing business insights based on large data
- Design and Supervision in the development of Predictive Tools
- Segmentation of current clients using internal and external information
- Analysis of predictive power and recalibration of application, behavioral and collection scores
- Income and Credit Capacity Models
Credit Risk Director
Banco Azteca
11.2018 - 02.2020
- Mandate: Support business objectives by designing, developing and implementing Regulatory Standards
- Predictive Models and Portfolio Analytics
- Technical models subscribed at CNBV (National Commission for Banks) for retail portfolios allowing the use of internal parameters to constitute provisions (reserves) and capital (managing internal and external teams)
- 2 credit application scorecards, built on Logistic Regression and Machine Learning (challenger)
- 2 behavioral Models, built on Logistic Regression and Machine Learning (challenger)
- 1 credit scorecard using alternative data and machine learning (social media, email, cellphone data)
- Participate in different executive committees
- Models: Report the performance and project roll out of several models (PD, Scorecards, Line
- Assignment, Risk Based Pricing, Client Segmentation, etc.)
- Regulatory: Report status of requirements made for regulatory entities, finance department and internal auditors (data, models, new standards, observations, PD and reserves backtest, etc.)
- Use of SAS Enterprise and SAS Miner algorithms for core predictive models (reserves, segmentation and scorecards)
- Developing alternatives to classic modelling using Python Machine Learning algorithms
- Coordinate the implementation of models in different platforms and environments like mainframe, decision engines, java and mobile devices
- Reporting to Chief Risk Officer and Chief Data Officer.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
Collections Scores Manager
Banco Azteca
02.2016 - 10.2018
- Mandate: Provide analytic tools and models to the collections teams
- Design and development of 9 scorecards of collections scores based in statistics and machine learning
- 40 $mmusd annual improvement in credit recoveries due to early stage collections score
- Analytic insights to enhance cross selling and recoveries
- BBVA
- BBVA is a Spanish multinational financial services company and is the Top México’s bank with more than 20% of the market.
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
Liquidity Risk Advisor
BBVA México
11.2015 - 01.2016
- Ensure that the credit operations of the bank comply the regulatory requirements about the Liquidity
- Develop strategies with financial instruments in order to comply with regulations
- Prepare contingency plans for different risk scenarios at institutional and systemic level
- Modeling the future behavior of assets and liabilities of the institution to determine the expected
- Liquidity Coverage ratio calculations
- Developed short-term goals and long-term strategic plans to improve risk control and mitigation.
Credit Risk Advisor
BBVA México
01.2011 - 10.2015
- Design and develop scoring and credit rating models for admission in mortgage, commercial, personal loans and credit card portfolios
- Definition of statistical tests for modelling credit risk
- Calculation of necessary parameters for expected losses under Basel II.
Scorings and Ratings Consultant
BBVA México
10.2008 - 12.2010
- Calibration of credit risk parameters for Expected Losses
- Statistical tests and development of linear and nonlinear models for supervised and unsupervised models
- Segmentation analysis and construction of databases.
Investment Funds Trading assistant
Banco Interacciones
06.2007 - 10.2008
- Conducted daily research to identify value of stocks, shares and bonds.
- Set up and maintained paper and electronic filing systems for records, correspondence and other materials.
- Informed clients of current scenario and expectations in stock market.
- Used in house software to prepare forms such as receipts, withdrawal orders, transmittal papers and transfer confirmations.
Investment Funds Management assistant
Banco Interacciones
10.2005 - 06.2007
- Created and updated records and files to maintain document compliance.
- Conducted thorough research using diverse resources to assist professional staff with routine and special project tasks.
- Prepared and charted data and metrics for detailed status reports.
Education
Master of Science - Data Science
Universidad Panamericana
México06.2023
MBA - Business Administration
Universidad TecMilenio
CDMX, México11.2016
Bachelor - Actuarial Science
Universidad Nacional Autónoma de México
2005
Diploma - Financial Risk Management
Instituto Tecnológico de Monterrey
2023
Diploma - Corporate Finance
Universidad Nacional Autónoma de México
2010
Data science certification with SAS - undefined
SAS Institute
2015
No Degree - Artificial Intelligence in Buisness
MIT Sloan School
02.2021
Skills
- Managing Operations and Efficiency
- Business Solutions
- Operational Efficiency
- Business Analysis
- Collaborate Cross-Functionally
- Business Operations
- Sales Goals
- Loan Approval
- Financial Law
- Scheduling and Coordinating
Accomplishments
- Design of Investment Portfolios» Technical analysis of stocks» SAS Programming II» SAS Programming III» SAS Macro Language» Multivariate Analysis» Time series Forecast» SAS Visual Analytics» Advanced predictive modelling using SAS
- Enterprise Miner» Certification in Data science with Python 7/9courses
Affiliations
Certifications and memberships
Fellow of the Credit Risk Committee of Mexican Bank’s Association since 2018.
Figure 3 in the Mexican Association of Stock Brokers
Timeline
Credit policy Vice President
Grupo Afirme
01.2024 - Current
Principal Manager Pricing
BBVA Perú
05.2021 - 08.2023
Credit Models Director
Banco Azteca
03.2020 - 04.2021
Credit Risk Director
Banco Azteca
11.2018 - 02.2020
Collections Scores Manager
Banco Azteca
02.2016 - 10.2018
Liquidity Risk Advisor
BBVA México
11.2015 - 01.2016
Credit Risk Advisor
BBVA México
01.2011 - 10.2015
Scorings and Ratings Consultant
BBVA México
10.2008 - 12.2010
Investment Funds Trading assistant
Banco Interacciones
06.2007 - 10.2008
Investment Funds Management assistant
Banco Interacciones
10.2005 - 06.2007
Master of Science - Data Science
Universidad Panamericana
MBA - Business Administration
Universidad TecMilenio
Bachelor - Actuarial Science
Universidad Nacional Autónoma de México
Diploma - Financial Risk Management
Instituto Tecnológico de Monterrey
Diploma - Corporate Finance
Universidad Nacional Autónoma de México
Data science certification with SAS - undefined
SAS Institute
No Degree - Artificial Intelligence in Buisness
MIT Sloan School
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