Maricarmen torres mariscal

As a banking professional with over 28 years of experience, I have a proven track record of executing complex and challenging endeavors at Credicorp LTD and Banco de Crédito del Perú. My career has spanned various domains within the banking sector, including investment banking, finance and treasury, corporate strategy, retail risk, and personal banking. At Credicorp LTD, I have been instrumental in shaping the organization's growth and success by establishing new divisions and elevating existing practices to new standards. Currently, as the head of Banco de Crédito BCP's Personal Banking Segments, I focus on customer experience, segment value propositions, personalization, and multichannel strategies. My goal is to enhance digitization, foster strong engagement, and achieve sustainable profits from mass market segments while increasing engagement in affluent segments. With a Master of Science in Business Analytics, a top-ranked MBA, and extensive experience in client strategy, risk, and finance, I integrate data-driven decision-making with a comprehensive risk perspective and a profound client-centric view. This approach allows me to gain an in-depth understanding of client profitability dynamics and contribute a holistic view of the impact of strategy and its execution on the bank's long-term valuation.

• CFA Level 1
• FRM Level 1
• Series 7

• Playing the piano
• Going to the gym
• Running
• Watching movies
• Traveling with family and friends

• Banco de Credito de Bolivia, Board member, 03/23/23, Present
• MIBANCO, Deputy board member, 01/01/14, Present

Senior Vice President Personal Banking Segments, CRM and Digital Sales, Banco de Credito del Peru (BCP), Lima, Perú, 04/21/21, Present, Report directly to the Retail Banking Chief Officer, overseeing Personal Banking Segments, CRM, Digital Marketing and Salesforce teams., Focus on digitalization, customer satisfaction, primary-banking-building relationships, and multichannel strategy., Defined new segmentation and value proposition for the segments, increasing 'primary-banking clients' by 40%., Implemented strategy to reduce branch footprint by 25% while boosting NPS of branch customers., Increased Personal Banking profitability by 60% compared to 2021.