Andres Sanche Diez De Bonilla
Mexico City
Summary
Dynamic Senior Risk & Growth Analyst with a proven track record at Aplazo, driving a 65% approval rate for a Physical Card program. Expert in credit risk assessment and process optimization, leveraging SQL and Python to deliver impactful insights. Adept at fostering collaboration and implementing innovative strategies to enhance growth and retention.
Overview
5
5
years of professional experience
Work History
Senior Risk & Growth Analyst
Aplazo
Mexico City
07.2025 - Current
- Led the launch of a Physical Card program for employees, achieving a 65% approval rate while maintaining controlled risk exposure through custom underwriting and credit limit rules.
- Designed and deployed a Re-Entry framework to re-evaluate previously rejected or banned users, unlocking incremental loan volume by safely bringing high-potential customers back into the funnel.
- Built merchant-specific credit line boosters that dynamically increased limits for customers purchasing at strategic partners, driving GMV
- Segmented customers using behavioral and risk scores to deploy differentiated credit strategies for low, mid, and high-risk cohorts.growth without increasing default rates.
Data Analyst Collections
Aplazo
Mexico City
07.2024 - Current
- Boosted recovery rate by 7.4pp on loans past 90 days due by designing targeted reactivation campaigns and refined KPIs.
- Created a Repurchase Rate metric to track effectiveness of recovered users who returned for new loans after collections, helping drive retention strategies.
- Designed and implemented automation in the collections journey, increasing scalability and reducing agent workload.
- Conducted EDA on delinquency trends, identifying top reasons behind nonpayment and suggesting actionable journey improvements.
Data Analyst
PCH Servicios Financieros
Mexico City
09.2022 - 05.2023
- Spearheaded customer follow-up and service initiatives, reducing loan default rates to less than 6%.
- Implemented a dynamic budgeting system, improving cash flow management by 20% and increasing operating profit by 15%.
- Conducted weekly and monthly financial analysis of loan portfolios, providing realtime portfolio status.
- Delivered data-driven insights to management, shaping strategic business decisions.
Commercial Data Analyst
Walmart
Mexico City
01.2021 - 08.2022
- Analyzed sales data to forecast future sales of fruits and vegetables, optimizing promotional campaigns.
- Developed a supply schedule with the commercial team, reducing inventory costs and increasing gross profit by 1%.
- Analyzed demographic data and sales trends to optimize product stock and maximize revenue.
- Collaborated with marketing to develop and execute data-driven promotional strategies.
Education
Bachelor - Finance
Universidad Iberoamericana
Mexico City12.2020
College Exchange -
RMIT University
Melbourne, AU12.2019
Skills
- Exploratory Data Analysis (EDA)
- Statistical Analysis
- Experimentation & A/B Testing
- Process optimization
- Credit risk assessment
- Google Workspace (Gmail, Sheets, Slides)
- Microsoft Office Suite
- Looker
- SQL
- Python
Languages
Spanish, Native
English, Proficient
Find Me Online - Linkedin
https://www.linkedin.com/in/andres-sanche/
Accomplishments
Launched Aplazo’s Physical Card program for employees, defining credit limits, approval rules, and risk controls to safely activate spending and real-world usage.
Timeline
Senior Risk & Growth Analyst
Aplazo
07.2025 - Current
Data Analyst Collections
Aplazo
07.2024 - Current
Data Analyst
PCH Servicios Financieros
09.2022 - 05.2023
Commercial Data Analyst
Walmart
01.2021 - 08.2022
Bachelor - Finance
Universidad Iberoamericana
College Exchange -
RMIT University