Joaquín Dávalos Maldonado
Chief Financial Officer - CFO
Mexico City
Summary
CFO and Fintech executive with 12+ years of experience driving capital strategy, risk management, and financial leadership across Latin America. Cofounder & CFO at AltScore, where I successfully raised equity and structured debt vehicles to scale embedded lending infrastructure in US, Mexico, Ecuador, and Argentina. Strong expertise in venture-backed growth, financial planning and strategy, credit portfolio optimization, and investor relations. Proven ability to combine financial rigor with Fintech innovation to unlock sustainable growth.
Overview
13
13
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Cofounder & Chief Financial Officer
AltScore (Series A)
Mexico City
05.2022 - Current
- Equity and Structured Debt fundraising (Seed & Series A AltScore)
- Designed unit economics frameworks and financial models ensuring profitability of micro-ticket lending products.
- Built investor reporting packages and board presentations, improving transparency and investor confidence.
- Implemented multi-country financial controls, compliance, and treasury management aligned with fintech regulatory requirements.
- Partnered with product and technology teams to integrate financial infrastructure into AltRails, driving scalability of embedded lending solutions.
- Scaled the fintech’s credit portfolio operations, enabling more than USD X million in cumulative disbursements across multiple geographies.
- Managed the commercial relationship and credit process integration with 25+ enterprise clients across Latin America, including leading CPGs, banks, and financial institutions.
Head of Credit & Portfolio Risk
Kushki (Unicorn)
Quito
04.2021 - 05.2022
- Oversaw risk and portfolio strategy for one of Latin America’s leading fintech unicorns.
- Developed risk assessment models that reduced non-performing exposure while maintaining aggressive growth.
- Collaborated with product and data teams to launch scalable credit solutions for digital merchants, balancing risk appetite with commercial targets.
- Reported credit risk and performance KPIs to the executive team and investors.
Credit Risk Manager
Produbanco Grupo Promérica
Quito
03.2013 - 04.2021
- Directed credit risk underwriting and management for a portfolio exceeding USD 4 billion, ensuring regulatory compliance and adequate performance.
- Led a team of analysts, establishing credit governance frameworks aligned with board-level oversight.
Education
Master’s in Financial Administration -
EGADE Business School, ITESM
Monterrey01.2012
B.Sc. Industrial Engineering & Systems -
ITESM
Monterrey01.2011
Skills
- Equity rounds / Debt Structuring
- FP&A, Budgeting, Forecasting, Treasury
- Governance / Regulatory Compliance
- Credit & Portfolio Management
- Problem-solving
- Decision-making
- Analytical thinking
- Business development
Certification
Bloomberg Essentials: Fixed Income, FX, Equities, Commodities
Timeline
Cofounder & Chief Financial Officer
AltScore (Series A)
05.2022 - Current
Head of Credit & Portfolio Risk
Kushki (Unicorn)
04.2021 - 05.2022
Credit Risk Manager
Produbanco Grupo Promérica
03.2013 - 04.2021
Master’s in Financial Administration -
EGADE Business School, ITESM
B.Sc. Industrial Engineering & Systems -
ITESM
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